Consumer Banking (Identification) Module - UNEP FI

UNEP FI PORTFOLIO IM
Consumer Ba
The Impact Analysis Tools are iterative input-output workflows designed to help organisations implement UNEP FI’s unique
UNEP FI’s Impact Analysis Tools are gradually transitioning to a ‘modular’ format, where the main components of impact an
modules.
As per the figure below, the Consumer Banking Identification Module enables you to understand the positive and negative
based on your product and client types. This will enable you to comply with the corresponding requirement for Principle 2
the Principles for Responsible Banking (PRB). If you have also completed the Context Module, the present Module will also
significant impact areas, also as per Principle 2 of the PRB.
For guidance on how to complete this Module, please refer to the Consumer Banking Identification Module User Guide.
Acknowledgements
UNEP FI would like to acknowledge the members of the 2021-2022 Impact Analysis Working Group, whose user experience
The Project Team for the development of the Consumer Banking Identification Module and its User Guide was made up of:
Interns, Denis Childs, Special Advisor.
Proceed to 'Navigation'
ORTFOLIO IMPACT ANALYSIS TOOL FOR BANKS (V3)
Consumer Banking / Identification Module
Latest updates: 29 January 2024
mplement UNEP FI’s unique Holistic Impact Methodology. As of 2022, Copyright © United Nations Environment Programme, 2022
ain components of impact analysis are contained within distinct
The UNEP FI Portfolio Impact Analysis Tools their User Guides m
form for non-commercial educational or non-profit purposes wi
nd the positive and negative impact associated with your portfolio holder, provided acknowledgement of the source is made. Pleas
requirement for Principle 2 on Impact Analysis and Target-setting of Programme for a tailored acknowledgment statement. The Unit
he present Module will also enable you to identify your most appreciate receiving an electronic copy of any materials (publica
this resource either directly or as a source of inspiration.
tion Module User Guide. No use of the UNEP FI Portfolio Impact Analysis Tools and its Us
other commercial purpose whatsoever without prior permission
Environment Programme.
Disclaimer
The conclusions derived by users regarding their most significan

own. Only the tool methodology can be attributed to UNEP FI.
Technical specifications
This tool was designed as an open-source tool. It has been a prio

replicability. All technical specifications are available upon reque
Contact: positiveimpact@unepfi.org
oup, whose user experiences and inputs were instrumental to the development of this tool.
User Guide was made up of: Careen Abb, Programme Lead, Costanza Ghera, Content Manager, Alexander Stopp, Content Manager, Yuli Ch
KS (V3)
ons Environment Programme, 2022
pact Analysis Tools their User Guides may be reproduced in whole or in part and in any
l educational or non-profit purposes without special permission from the copyright
ledgement of the source is made. Please contact the United Nations Environment
d acknowledgment statement. The United Nations Environment Programme would
lectronic copy of any materials (publications, resources, tools) that use all or part of
tly or as a source of inspiration.
rtfolio Impact Analysis Tools and its User Guides may be made for resale or for any
se whatsoever without prior permission in writing from the United Nations
e.
by users regarding their most significant impact areas and areas of priorities are their
odology can be attributed to UNEP FI.
s an open-source tool. It has been a priority for UNEP FI to ensure transparency and
specifications are available upon request.
@unepfi.org
xander Stopp, Content Manager, Yuli Chen, Trisha Mani, Alana Peters, Yiwei Song,
Navigation
Navigation Tips
The Consumer Banking Identification Module is made up of four types of worksheets which have been colour-
coded for easier navigation:
1) Reference worksheets (white)
2) Workflow worksheets (green)
3) Data transfer worksheet (black)
4) 'Back-end' worksheets (grey) (hidden)
The workflow worksheets involve a combination of data input and data output. For user ease all input cells are
grey and cells containing formulas are protected. The file may take a few seconds to generate the data
visualizations; if needed, click the 'save' icon to speed up the process.
A 'Notes' column is available in all workflow worksheets to enable users to document their process (i.e.
choices/decisions made along the way) as appropriate.
Please note there are five 'Profile' worksheets' in total, but only one is displayed by default. Please right click any
worksheet tab to unhide the others if/as needed.
Need a step by step guide? Use this URL to listen to a walk-through of the Module structure:
https://youtu.be/dUi8KJ9jxHc
For more guidance please refer to your User Guide:

https://www.unepfi.org/wordpress/wp-content/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-
Consumer-Banking-Identification-Module.pdf
List of Worksheets
ule is made up of four types of worksheets which have been colour-
nation of data input and data output. For user ease all input cells are
tected. The file may take a few seconds to generate the data
on to speed up the process.
w worksheets to enable users to document their process (i.e.

appropriate.
eets' in total, but only one is displayed by default. Please right click any
needed.
o listen to a walk-through of the Module structure:
er Guide:
ontent/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-
pdf
st of Worksheets
Welcome
Navigation
My Parameters
Portfolio Composition
Profile-Country 1
Profile-Country 2
Profile-Country 3
Profile-Country 4
Profile-Country 5
Summary
Sector-Impact Map
Interlinkages Map
Data IN
Data OUT
Pivot P
Pivot N
Correspondance Tables
Lists
→ About the Portfolio Impact Analysis Tool
→ Understand the structure of the Module
→ Specify the scope of your analysis
→ Collect data, identify your significant impact areas/topics by geography.
→ Overview of your results across all geographies. Use this to communicate internally and/or
externally.
→ Mapping of impact associations between sectors and impact areas/topics
→ Mapping of how action on one impact area/topic may affect other impact areas/topics
→ Import your data from the Context Module
→ Export your data to the Assessment Module
→These are technical worksheets to enable the functionalities in the other worksheets. No action
required.
My Parameters
Use this worksheet to:
*indicate the size of your consumer banking business and the proportion this represents relative to your
*determine the countries of operation you will be considering, as well as the size and proportion of your
*specify which industry classification you wish to use
*determine which indicators you will be using
All your choices will be reflected in the ensuing worksheets.

Notes Use this URL for an explanation of the 'My Parameters' worksheet: https://youtu.be/CiaHKb07N50
Use this column For more guidance please refer to your User Guide: https://www.unepfi.org/wordpress/wp-content/uplo
to document your Identification-Module.pdf
process as
appropriate N.B: Only grey coloured cells are input cells. Text in red indicates warning messages to help you fill out th
Cells can be expanded if the content is not fully readable.
If you copy/paste data from other files, please make sure to paste only the values (not the format) to avo
a. Please indicate the size of your consumer banking business and what proportion this is relative
to total business activity
Ideally, please provide both gross income and balance sheet. Indicate the currency used.
Please specify currency ↓
b. Did you complete the Context Module?

Please select accordingly and make sure to follow the guidance
c. For each country, please indicate the corresponding size of consumer banking business
Please use gross income. If not available, use balance sheet.
Currency ↓
d. Industry classification
By default the Module is set to ISIC Rev 4. If you wish to use another industry classification for the selectio
products/services, please select from the drop-down menu.
e. Indicators
Please specify which indicators (among three types) you intend to use for your data collection. Please not
used as a default indicator and others can be added as complementary indicators.
For credit products, please indicate the specific indicator for 'amount'.
business and the proportion this represents relative to your overall business activity
will be considering, as well as the size and proportion of your consumer banking business in each country
sh to use
ng
ing worksheets.
arameters' worksheet: https://youtu.be/CiaHKb07N50

r Guide: https://www.unepfi.org/wordpress/wp-content/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-Consumer-Banking-
Text in red indicates warning messages to help you fill out the worksheet correctly.
ully readable.
se make sure to paste only the values (not the format) to avoid altering the Tool functionalities.
r banking business and what proportion this is relative
d balance sheet. Indicate the currency used. Gross income Balance sheet
(amount) → (amount) →
specify currency ↓
Gross income Balance sheet

(percentage of total (percentage of
business) → total business) →
(please select)
ollow the guidance
(Select country or (Select country or

area) area)
N/A N/A
responding size of consumer banking business

e balance sheet.
Amount
Amount
Currency ↓
Percentage of total
business
you wish to use another industry classification for the selection of your (please select)
op-down menu.
number of
amount
products
e types) you intend to use for your data collection. Please note that 'amount' is
e added as complementary indicators.
yes (please select)
ts, please indicate the specific indicator for 'amount'. (please select)
Date:
Impact Analysis is a cyclical process
or-Banks-Consumer-Banking- that needs to be updated on a regular
basis. Please indicate the date at
which this impact analysis is being run
(Select country or (Select country or (Select country or

area) area) area)
N/A N/A N/A

number of
customers
(please select)
[Select [Select [Select [Select [Select
country or country or country or country or country or
area] area] area] area] area]
[Select
country or
area]
CALCULATIONS
Portfolio Composition
Use this worksheet to provide data on the products and services you offer to your customers as w
* Indicate the main products/services you are offering to your customers (as well as the types) and
* For each type of product or service offered by the bank, indicate the corresponding customer ba
Notes Please note that your indicators need to be selected in the 'My Parameters' worksheet and that yo
Use this column
to document Use this URL for an explanation of the 'Portfolio Composition' worksheet: https://youtu.be/IsJutP_
your process as For more guidance please refer to your User Guide: https://www.unepfi.org/wordpress/wp-conte
appropriate
N.B: Only grey coloured cells are input cells. Text in red indicates warning messages to help you fil
If you copy/paste data from other files, please make sure to paste only the values (not the format)
Size and proportion of overall Consumer Banking Portfolio (gross income):
Total volume of your consumer banking portfolio (across all
No country selected
Volume of consumer banking portfolio in the country

In the columns below, please indicate the volume of busin
Types of products & services

(as per ISIC industry classification)
ISIC
1 644 Consumer banking
2 6441 Current accounts
3 64411 Current accounts with payment services (cheques, debit cards)
4 64412 Current accounts without payment services
5 6442 Savings
6 64421 Savings accounts
7 64422 Certificates of deposit
8 6443 Credit
9 64431 Credit cards
10 64432 Consumer loans & overdraft
11 64433 Securities-backed/ Lombard / Structured loans
12 64434 Home loans /mortgages
13 64435 Vehicle related loans
14 64436 Education related loans
15 64437 Access to justice related loans
16 64438 Healthcare loans
17 64439 Other specialised credit
18 6444 Targeted products
19 64441 Targeted products - low income populations
20 64442 Targeted products - women
21 64443 Targeted products - youth
22 64444 Targeted products - senior population
23 64445 Targeted products - rural populations
24 64446 Targeted products - other vulnerable groups
25 648 Microcredit
26 6480 Microcredit
Volume and proportion of portfolio under analysis relative to total Consumer Banking portfolio in
No country selected
No country selected
No country selected
No country selected
ou offer to your customers as well as the types of customers you are serving. More specifically, you are required to:
omers (as well as the types) and specify the total volume and percentage for each product/service.
the corresponding customer base that match the different population groups. Where unknown please use the 'unspecified' category.
ameters' worksheet and that you are required to select at least one indicator (the others are optional)
sheet: https://youtu.be/IsJutP_N2Uw
nepfi.org/wordpress/wp-content/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-Consumer-Banking-Identification-Module.pd
arning messages to help you fill out the worksheet correctly.
only the values (not the format) to avoid altering the Tool functionalities.
0%
Indicator 1-credit: amount

mer banking portfolio (across all countries) ((please select))

((please select))
banking portfolio in the country →
Volume of consumer banking portfolio in the country, by product/service type ↓
ase indicate the volume of business for each product type. You can use up to three different indicators. Note that your indicator selection ne
Indicator 1: amount
Names of products & services
(as named in your bank)
Volume
(unhide the rows and indicate the names of your products)

0.00 0.00
Consumer Banking portfolio in the country: 0.00
0.00
If applicable, please click the '+' sign on the left to expand this section ←
0.00
0.00
0.00
0.00
u are required to:
e.
lease use the 'unspecified' category.
onal)
nsumer-Banking-Identification-Module.pdf
Size and proportion of

overall Consumer
0%
Banking Portfolio
(balance sheet):
Indicator 1-current
accounts & savings: Indicator 2: number of products - not selected Indicator 3: number of customers - not selecte
amount
Indicator 1-current
accounts & savings: Indicator 2: number of products - not selected Indicator 3: number of customers - not selecte
amount
y, by product/service type ↓
tors. Note that your indicator selection needs to have been made in the 'My Parameters' worksheet.
Indicator 1: amount Indicator 2: number of products - not selected Indicator 3: number of customers - not selecte
% %
(automatically Volume (automatically Volume
generated) generated)
0% 0.00 0% 0.00
0.00% 0.00 0.00% N/A
0.00%
his section ←
0.00%
his section ←
0.00%
his section ←
0.00%
his section ←
0.00%
number of customers - not selected
Click the first '+' sign

to expan the income
number of customers - not selected section ↗
Client types
In the tables on the

right, please indicate
the volume of business
per client types for
Client types
In the tables on the

right, please indicate
the volume of business
per client types for
number of customers - not selected each product type. You
can use up to three
different indicators.
% Note that your
(automatically indicator selection
generated) needs to have been
made in the 'My
Parameters'
worksheet.
0%
N/A
Click the second '+' Click the third '+' Click the fourth '+' sign
sign to expan the sign to expan the to expan the location
gender section ↗ age section ↗ section ↗
Click the fifth '+' sign to
expan the other
vulnerable groups
section ↗
CALCULATIONS
N/A Impact Profile-No country specified
Use this worksheets to:

Notes
Use this column *review the impacts associated with the bank’s activities, based on the bank data captured und
to document your *determine your most significant impact areas accordingly
process as
appropriate N/A Use this URL for an explanation of the 'Profile' worksheets: https://youtu.be/vXA1xVq2IcM
For more guidance please refer to your User Guide: https://www.unepfi.org/wordpress/wp-con
N.B: Only grey coloured cells are input cells. Text in red indicates warning messages to help you
If you copy/paste data from other files, please make sure to paste only the values (not the form
Proportion of Consumer Banking business

relative to total business activity of the bank:
1. Impact associations
a. Impact associations driven by products and services
Summary view of country priorities and impact associations

This section provides an overview of the impacts associated with your bank's activity in the cou
lines represent positive impact associations; orange lines represent negative impact association
one used to generate the spider charts.
POSITIVE IMPACTS
(CREDIT)
ALL ASSOCIATIONS (credit) KEY ASSOCIATIONS (credit)
COUNTRY PRIORITIES LOCAL PRIORITIES
Integrity & security of person

Circularity 100% Health & safety
Biodiversity & healthy ecosystems Availability, accessibility, affordability, quality of resour

50%
Climate stability 0% Livelihood
Socio-economic convergence Equality & justice
Infrastructure Strong institutions, peace & stability

Healthy economies
*the dots do not represent a value. They only show if an impact area is a priority in the country/locations (base
on data in the Context Module).
Detailed view of country priorities and impact associations (heatm
This section is divided into 2 segments:
- Table (i) shows the main priorities in the country (and in specific locations) at a more granular
- Table (ii) shows the impact associations between the individual products/services you are offe
For each impact area/topic, you can also see the corresponding SDGs. In addition, areas/topics
i. Context
ii. Products/services
Types of products/services
1 N/A
N/A
1
N/A
2
N/A
2
N/A
3
N/A
3
N/A
4
N/A
4
N/A
5
N/A
5
N/A
6
N/A
6
N/A
7
N/A
7
N/A
8
N/A
8
N/A
9
N/A
9
N/A
10
N/A
10
N/A
11
N/A
11
N/A
12
N/A
12
N/A
13
N/A
13
N/A
14
N/A
14
N/A
15
N/A
15
N/A
16
N/A
16
N/A
17
N/A
17
N/A
18
N/A
18
N/A
19
N/A
19
N/A
20
N/A
20
Total (credit)
Total (current accounts and savings)
If you have specified the names of your products/services and you wish to see the impact asso
b. Impact associations driven by client/population types

The spider chart shows the priorities in the country (and in specific locations). This is based on t
show the distribution of products and services across populations based on the data provided in
Context (equality and justice)
Gender equality
Other vulnerable groups Ethnic/racial equality
Age discrimination
Other vulnerable groups Ethnic/racial equality
Age discrimination
2. Determining and prioritising the bank’s most sign

Use the first table in this section to select your significant impact areas/topics based on the imp
identified in section 3. Note that the latter relate specifically to the ‘Equality & Justice’ impact a
If you have further impact areas (beyond ‘Finance’ and ‘Equality & Justice’) to consider, you sho
◾ impact areas with the highest levels of country and/or location needs (level 3 or 4)
◾ impact areas associated with large parts of the bank’s portfolio
◾ impact areas associated with countries and or sectors where the bank is a market leader
◾ impact areas which, if addressed will enable other impact areas to be addressed (leveragin
NB. The listing of most significant impact areas is based on the bank’s judgement and cannot be
The table on the far right provides a read-across to the SDGs.

Please find the full SDGs mapping here: https://www.unepfi.org/impact/impact-radar-mapping
Impact area/topic
Finance
(select impact area/topic)

Populations/ Equality & Justice

(based on section 1.b.)
No country specified
h the bank’s activities, based on the bank data captured under the ‘Portfolio Composition’ worksheet (a range of different visual represent
mpact areas accordingly
he 'Profile' worksheets: https://youtu.be/vXA1xVq2IcM

our User Guide: https://www.unepfi.org/wordpress/wp-content/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-Consumer-Ba
put cells. Text in red indicates warning messages to help you fill out the worksheet correctly.
t is not fully readable.
les, please make sure to paste only the values (not the format) to avoid altering the Tool functionalities.
Gross income () Balance sheet ()
0.00% 0.00%
ons
riven by products and services
y priorities and impact associations

f the impacts associated with your bank's activity in the country. The charts show the positive and negative impacts on the 12 impact area
ciations; orange lines represent negative impact associations). In addition, the dots on the charts represent the priorities in the country ba
arts.
SITIVE IMPACTS NEGATIVE IMPACTS

(CREDIT) (CREDIT)
S (credit) KEY ASSOCIATIONS (credit) ALL ASSOCIATIONS (credit) KEY ASSOCIATIONS (credit)
TIES LOCAL PRIORITIES COUNTRY PRIORITIES LOCAL PRIORITIES
grity & security of person Integrity & security of person

100% Health & safety Circularity 100% Health & safety
Availability, accessibility, affordability, quality of resources & services Biodiversity & healthy ecosystems Availability, accessibility, a
50% 50%
0% Livelihood Climate stability 0% Livelihood
Equality & justice Socio-economic convergence Equality & justice
Strong institutions, peace & stability Infrastructure Strong institutions, peace & stability
Healthy economies Healthy economies
hey only show if an impact area is a priority in the country/locations (based *the dots do not represent a value. They only show if an impact area is a priority
(based on data in the Context Module).
priorities and impact associations (heatmap)
nts:
in the country (and in specific locations) at a more granular level (i.e at the ‘impact topic’ level) based on the needs assessment conducted
tions between the individual products/services you are offering in the country and the different impact areas and topics. More specifically
n also see the corresponding SDGs. In addition, areas/topics that relate to potential human rights violations are in red).
Sustainable Development Pillars →
Impact Areas →
Impact Topics →
Corresponding SDG(s) →
Priority areas/topics based on country needs and priorities
Priority areas/topics based on local needs and priorities
Indicator 1: amount
Names of products/services Total % of portfolio (Indicator 1)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total (credit) 0.00%
(current accounts and savings) 0.00%
your products/services and you wish to see the impact associations by product/service, please click the '+' sign on the left to expand the
riven by client/population types

s in the country (and in specific locations). This is based on the needs assessment conducted in the Context Module (if the Module was use
nd services across populations based on the data provided in the ‘Portfolio Composition’ worksheet.
ext (equality and justice) Distribution of products/services across population
Indicator 1: amount (credit)

Group 2 (please specify) 0%
OUNTRY PRIORITIES LOCAL PRIORITIES Group 1 (please specify) 0%
Unspecified (Location) 0%
Urban 0%
Gender equality Rural 0%
Unspecified (Age) 0%
Population groups
Senior (e.g. +60) 0%

Middle-age (e.g. 30-60) 0%
Youth (e.g. 18-30) 0%
Ethnic/racial equality Unspecified (Gender) 0%

Female 0%
Male 0%
Unspecified (Income) 0%
High-income population 0%
Middle-income populations 0%
Age discrimination Low-income populations 0%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.
Population groups
Youth (e.g. 18-30) 0%
Ethnic/racial equality Unspecified (Gender) 0%

Female 0%
Male 0%
Age discrimination Low-income populations 0%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.
% of portfolio
prioritising the bank’s most significant impact areas/topics.

select your significant impact areas/topics based on the impact associations displayed sections 1 and 2 (associated impact areas/topics wi
e latter relate specifically to the ‘Equality & Justice’ impact area/topics, which focuses on different population types.
eyond ‘Finance’ and ‘Equality & Justice’) to consider, you should prioritise based on the following considerations:
evels of country and/or location needs (level 3 or 4)
rge parts of the bank’s portfolio
ountries and or sectors where the bank is a market leader
ed will enable other impact areas to be addressed (leveraging interlinkages)
mpact areas is based on the bank’s judgement and cannot be attributed to UNEP FI
a read-across to the SDGs.

ere: https://www.unepfi.org/impact/impact-radar-mappings/
Significant impact areas (based on section 1.a.)
Associated impacts Associated impacts

(positive) (negative)
Education,Mobility,Information,Flourishing
MSMEs,Socio-economic convergence
(please select) (please select)
worksheet (a range of different visual representations are provided)
o-Impact-Analysis-Tool-for-Banks-Consumer-Banking-Identification-Module.pdf
nctionalities.

((please select))
Proportion of Consumer Banking

portfolio in the country relative to
total Consumer Banking portfolio:
Proportion of portfolio under

analysis relative to total Consumer 0.00%
Banking portfolio in the country:
ve and negative impacts on the 12 impact areas (as per the UNEP FI Impact Radar). More specifically, the lines in the spider charts represe
charts represent the priorities in the country based on the needs assessment conducted in the Context Module (if the Module was used an
NEGATIVE IMPACTS POSITIVE IMPACTS

(CREDIT) (CURRENT ACCOUNTS AND SAVINGS)
ASSOCIATIONS (credit) KEY ASSOCIATIONS (credit) ALL ASSOCIATIONS (accounts) KEY ASSOCIATIONS (accounts)
UNTRY PRIORITIES LOCAL PRIORITIES COUNTRY PRIORITIES LOCAL PRIORITIES
Integrity & security of person Integrity & security of person

Circularity 100% Health & safety Circularity 100% Health & safety
Availability, accessibility, affordability, quality of resources & services Biodiversity & healthy ecosystems Availability, accessibility,
50% 50%
0% Livelihood Climate stability 0% Livelihood
astructure Strong institutions, peace & stability Infrastructure Strong institutions, peace & stability
*the dots do not represent a value. They only show if an impact area is a priority in the country/location
ent a value. They only show if an impact area is a priority in the country/locations (based on data in the Context Module).
ontext Module).
vel) based on the needs assessment conducted in the Context Module (if the Module was used and data was imported).
erent impact areas and topics. More specifically, blue cells indicate positive associations and orange cells indicate negative associations. Da
ights violations are in red).
nable Development Pillars →
Impact Areas →
Impact Topics →
ountry needs and priorities
ocal needs and priorities
Indicator 2: number of products - not Indicator 3: number of customers -

selected not selected
Total % of portfolio (Indicator 2) Total % of portfolio (Indicator 3) Key sectors

0.00% N/A
ease click the '+' sign on the left to expand the section ←
d in the Context Module (if the Module was used and data was imported). Note that these relate specifically to the ‘Equality & Justice’ imp
orksheet.
ducts/services across population group
Indicator 1: amount (credit) Indicator 1: am

% Group 2 (please specify) 0%
% Group 1 (please specify) 0%
% Unspecified (Location) 0%
% Urban 0%
% Rural 0%
% Unspecified (Age) 0%
Population groups
% Senior (e.g. +60) 0%

% Middle-age (e.g. 30-60) 0%
% Youth (e.g. 18-30) 0%
% Unspecified (Gender) 0%
% Female 0%
% Male 0%
% Unspecified (Income) 0%
% High-income population 0%
% Middle-income populations 0%
% Low-income populations 0%
10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00% 0.00% 10.00% 20.00
% Unspecified (Age) 0%
Population groups
% Senior (e.g. +60) 0%
% Middle-age (e.g. 30-60) 0%
% Youth (e.g. 18-30) 0%
% Unspecified (Gender) 0%
% Female 0%
% Male 0%
% Unspecified (Income) 0%
% High-income population 0%
% Middle-income populations 0%
% Low-income populations 0%
10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00% 0.00% 10.00% 20.00
% of portfolio
eas/topics.
ons 1 and 2 (associated impact areas/topics will be displayed automatically). Note that 'Finance' displays by default, as this impact area is a
fferent population types.
wing considerations:
ased on section 1.a.)
Comments
(please select) (please select) (please select)
Indicator 2: number Indicator 3: number
Indicator 1-current accounts
of products - not of customers - not
& savings: amount
selected selected
N/A N/A
0.00% N/A N/A

s in the spider charts represent the proportion of portfolio associated with the different impact areas (blue
e (if the Module was used and data was imported). Please note that the first indicator (i.e. amount) is the
MPACTS NEGATIVE IMPACTS

TS AND SAVINGS) (CURRENT ACCOUNTS AND SAVINGS)
KEY ASSOCIATIONS (accounts) ALL ASSOCIATIONS (accounts) KEY ASSOCIATIONS (accounts)
LOCAL PRIORITIES COUNTRY PRIORITIES LOCAL PRIORITIES
ty of person Integrity & security of person

Health & safety Circularity 100% Health & safety
00%
Availability, accessibility, affordability, quality of resources & services Biodiversity & healthy ecosystems Availability, accessibility, affordability, quality of reso
0% 50%
% Livelihood Climate stability 0% Livelihood
Strong institutions, peace & stability Infrastructure Strong institutions, peace & stability
nomies Healthy economies
impact area is a priority in the country/locations *the dots do not represent a value. They only show if an impact area is a priority in the country/locations
(based on data in the Context Module).
imported).
ate negative associations. Darker blue/orange signals ‘key’ impact associations).
Conflict Modern slavery Child labour
SDG 16 SDGs 8, 16 SDGs 8, 16
N/A 0 0 0
N/A 0 0 0
Filter here for: Filter here for: Child

Type of association Filter here for: Conflict
Modern slavery labour
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts 0.00%
negative impacts 0.00%
positive impacts 0.00%
negative impacts 0.00%
o the ‘Equality & Justice’ impact area/topics, which focuses on different population types. The bar charts
Indicator 1: amount (current accounts and savings)

e specify) 0%
e specify) 0%
Location) 0%
Urban 0%
Rural 0%
ed (Age) 0%
e.g. +60) 0%
g. 30-60) 0%
g. 18-30) 0%
(Gender) 0%
Female 0%
Male 0%
(Income) 0%
opulation 0%
pulations 0%
pulations 0%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00%
ed (Age) 0%
e.g. +60) 0%
g. 30-60) 0%
g. 18-30) 0%
(Gender) 0%
Female 0%
Male 0%
(Income) 0%
opulation 0%
pulations 0%
pulations 0%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00%
% of portfolio
efault, as this impact area is associated with all consumer banking activities. Then use the second table to prioritise populations based on a
Prioritised SDGs
SDG 1 SDG 2
SDG 3 SDG 4
SDG 5 SDG 6
SDG 7 SDG 8
SDG 9 SDG 10
SDG 11 SDG 12
SDG 13 SDG 14
SDG 15 SDG 16
SDG 17
TS
D SAVINGS)
ASSOCIATIONS (accounts)
AL PRIORITIES
on
Health & safety
Availability, accessibility, affordability, quality of resources & services
Livelihood
Equality & justice
Strong institutions, peace & stability
ea is a priority in the country/locations

urity of person Health & safety
Data privacy Natural disasters Health & safety Water Food
SDG 16 SDGs 11, 13 SDG 3 SDG 6 SDG 2
0 0 0 0 0
0 0 0 0 0
Filter here for: Data Filter here for: Filter here for: Filter here for:
Filter here for: Food
privacy Natural disasters Health & safety Water
0% 0.00%
0% 0.00%
0% 0.00%
0% 0.00%
Indicator 2: number of products

Unspecified (Location) 0%
Urban 0%
Rural 0%
Population groups

Youth (e.g. 18-30) 0%
Unspecified (Gender) 0%
Female 0%
Male 0%
Low-income populations 0%
Population groups
Youth (e.g. 18-30) 0%
Unspecified (Gender) 0%
Female 0%
Male 0%
Low-income populations 0%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00%
% of portfolio
table to prioritise populations based on any gaps

Social
Healthcare &
Energy Housing Education Mobility
sanitation
SDG 7 SDG 11 SDGs 3, 6 SDG 4 SDGs 9, 11
0 0 0 0 0
0 0 0 0 0
Filter here for:

Filter here for: Filter here for: Filter here for: Filter here for:
Healthcare &
sanitation
0.00%
0.00%
0.00%
0.00%
Indicator 3: number of customers

Please note that this bar chart does not show percentages because
customers benefit from multiple products, some percentages may b
than 100%. The bars show anyway how products are distributed a
populati
Group 2 (please specify)
Unspecified (Location)
Urban
Rural
Population groups
Unspecified (Age)
Senior (e.g. +60)
Middle-age (e.g. 30-60)
Youth (e.g. 18-30)
Unspecified (Gender)
Female
Male
Unspecified (Income)
High-income population
Middle-income populations
Low-income populations
Urban
Rural
Population groups
Unspecified (Age)
Senior (e.g. +60)
Youth (e.g. 18-30)
Female
Male
Low-income populations
80.00% 90.00% 100.00%
% of portfolio
rces & services Livelihood
Information Connectivity Culture & heritage Finance Employment
SDG 16 SDG 9 SDG 11 SDGs 8, 9 SDGs 1, 8
0 0 0 0 0
0 0 0 0 0
Filter here for: Filter here for: Filter here for: Filter here for: Filter here for:
Information Connectivity Culture & heritage Finance Employment
0.00%
0.00%
0.00%
0.00%
customers
w percentages because if same
ome percentages may be higher
oducts are distributed across
% of portfolio
Livelihood Equality & justice
Ethnic/racial
Wages Social protection Gender equality Age discrimination
equality
SDGs 1, 8 SDGs 1, 10 SDG 5 SDG 10 SDG 10
0 0 0 0 0
0 0 0 0 0
Filter here for:

Filter here for: Filter here for: Social Filter here for: Filter here for: Age
Ethnic/racial
Wages protection Gender equality discrimination
equality
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
Socio-economic
Strong institutions, peace & stability Healthy economies
Other vulnerable
Rule of law Civil liberties Sector diversity Flourishing MSMEs
groups
SDG 10 SDG 16 SDG 16 SDGs 8, 9 SDG 8
0 0 0 0 0
0 0 0 0 0
Filter here for: Other Filter here for: Rule Filter here for: Civil Filter here for: Filter here for:
vulnerable groups of law liberties Sector diversity Flourishing MSMEs
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
Natural
Socio-economic
Infrastructure Climate stability Biodiversity & healthy ec
convergence
Socio-economic
Infrastructure Climate stability Waterbodies Air
convergence
SDG 9 SDGs 10,17 SDG 13 SDGs 6, 14 SDGs 11, 12
0 0 0 0 0
0 0 0 0 0
Filter here for: Socio-

Filter here for: Filter here for: Filter here for:
economic Filter here for: Air
Infrastructure Climate stability Waterbodies
convergence
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

Natural environment
Biodiversity & healthy ecosystems Circularity
Soil Species Habitat Resource intensity Waste
SDGs 15, 12 SDGs 14, 15 SDGs 14, 15 SDG 12 SDGs 11, 12
0 0 0 0 0
0 0 0 0 0
Filter here for: Soil
Species Habitat Resource intensity Waste
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
CALCULATIONS
Impact Profile-Summary
If you have inputted data for more than one country, use this worksheets to:
Notes
Use this column *review the impacts associated with the bank’s activities, aggregated across all the countries for whi
to document your *consider your priority impact areas accordingly, across the different geographies
process as
appropriate For more guidance please refer to your User Guide: https://www.unepfi.org/wordpress/wp-content/
N.B: Only grey coloured cells are input cells. Text in red indicates warning messages to help you fill o
If you copy/paste data from other files, please make sure to paste only the values (not the format) to
Proportion of Consumer Banking business

relative to total business activity of the bank:
1. Impact associations
a. Impact associations driven by products and services
Summary view of country priorities and impact associations

This section provides an overview of the impacts associated with your bank's consumer banking activ
represent positive impact associations; orange lines represent negative impact associations). In additi
POSITIVE IMPACTS
(CREDIT)
ALL ASSOCIATIONS (credit) KEY ASSOCIATIONS (credit)

Biodiversity & healthy ecosystems Availability, accessibility, affordability, quality of re

50%
Socio-economic convergence Equality & justice

Healthy economies
*the dots do not represent a value. They only show if an impact area is a priority in the countries/locations (based
the Context Module).
Detailed view of country priorities and impact associations (heatmap)
This section is divided into 2 segments:
- Table (i) shows the main priorities across all countries (and in specific locations) at a more granular
- Table (ii) shows the impact associations between the individual products/services you are offering i
For each impact area/topic, you can also see the corresponding SDGs. In addition, areas/topics that r
i. Context
Priority areas/topics b
Priority areas/topics
ii. Products/services
Countries
1 N/A
N/A
1
N/A
2
N/A
2
N/A
3
N/A
3
N/A
4
N/A
4
N/A
5
N/A
5
Total credit
(based on proportion of portfolio under
analysis in each country)
Total current accounts and savings

(based on proportion of portfolio under
analysis in each country)
Total credit
(based on proportion of portfolio associated
with each impact area in each country)
Total current accounts and savings

(based on proportion of portfolio associated
with each impact area in each country)
b. Impact associations driven by client/population types

The spider chart shows the priorities across all countries (and in specific locations). This is based on t
the distribution of products and services across populations based on the data provided in the ‘Portf
Context (equality and justice)
CONTEXT (EQUALITY AND JUSTICE)
Gender equality
Other vulnerable groups Ethnic/racial eq
Age discrimination
2. Determining and prioritising the bank’s most signific
The tables under part a. show you the impat areas/topics prioritised country by country in the 'Profil
Use the tables under part b. if you wish to prioritise impact areas/topics across your different countr
Any additional, 'associated' impact areas/topics will be displayed automatically. Then use the table a
If you have further impact areas (beyond ‘Finance’ and ‘Equality & Justice’) to consider, you should p
◾ impact areas with the highest levels of country and/or location needs (level 3 or 4)
◾ impact areas associated with large parts of the bank’s portfolio
◾ impact areas associated with countries and or sectors where the bank is a market leader
◾ impact areas which, if addressed will enable other impact areas to be addressed (leveraging inte
NB. The listing of most significant impact areas is based on the bank’s judgement and cannot be attri
The table on the far right provides a read-across to the SDGs.

Please find the full SDGs mapping here: https://www.unepfi.org/impact/impact-radar-mappings/
a. Overview of prioritised significant impact areas/topics by country
N/A
Impact area/topic
no impact area/topic selected

Prioritised sign
12
10
8
Frequency
0
b. Prioritisation of significant impact areas/topics
b. Prioritisation across countries

Impact area/topic
Finance

ummary (N/A)
han one country, use this worksheets to:
h the bank’s activities, aggregated across all the countries for which bank data was captured under the ‘Portfolio Composition’ worksheet
accordingly, across the different geographies
our User Guide: https://www.unepfi.org/wordpress/wp-content/uploads/2022/07/Portfolio-Impact-Analysis-Tool-for-Banks-Consumer-Ba
ut cells. Text in red indicates warning messages to help you fill out the worksheet correctly.
t is not fully readable.
les, please make sure to paste only the values (not the format) to avoid altering the Tool functionalities.
Gross income () Balance sheet ()
0.00% 0.00%
ons
riven by products and services
y priorities and impact associations

f the impacts associated with your bank's consumer banking activity across all countries. The charts show the positive and negative impact
ns; orange lines represent negative impact associations). In addition, the dots on the charts represent the priorities in the country based o
POSITIVE IMPACTS NEGATIVE IMPACTS

(CREDIT) (CREDIT)
CIATIONS (credit) KEY ASSOCIATIONS (credit) ALL ASSOCIATIONS (credit) KEY ASSOCIA
PRIORITIES LOCAL PRIORITIES COUNTRY PRIORITIES LOCAL PRIOR

arity 100% Health & safety Circularity 100% Health
Availability, accessibility, affordability, quality of resources & services Biodiversity & healthy ecosystems
50% 50%
0% Livelihood Climate stability 0%
Equality & justice Socio-economic convergence
cture Strong institutions, peace & stability Infrastructure Strong

They only show if an impact area is a priority in the countries/locations (based on data in *the dots do not represent a value. They only show if an impact a
the Context Module).
priorities and impact associations (heatmap)
nts:
across all countries (and in specific locations) at a more granular level (i.e at the ‘impact topic’ level) based on the needs assessment condu
tions between the individual products/services you are offering in all countries and the different impact areas and topics. More specifically
also see the corresponding SDGs. In addition, areas/topics that relate to potential human rights violations are in red).
Sustainable Development Pillars →
Impact Areas →
Impact Topics →
Priority areas/topics based on country needs and priorities
Priority areas/topics based on local needs and priorities
Indicator 1: amount
Total % of portfolio (Indicator

Total % of portfolio (Indicator 1)/credit
1)/current accounts and savings
0.00% N/A
N/A 0.00%
Please note that this is the total used to generate the credit spider charts.
Please note that this is the total used to generate the current accounts/savings spider cha
riven by client/population types

s across all countries (and in specific locations). This is based on the needs assessment conducted in the Context Module (if the Module wa
vices across populations based on the data provided in the ‘Portfolio Composition’ worksheet.
CONTEXT (EQUALITY AND JUSTICE)
Gender equality
erable groups Ethnic/racial equality
Age discrimination
prioritising the bank’s most significant impact areas/topics.
he impat areas/topics prioritised country by country in the 'Profile' worksheets.
wish to prioritise impact areas/topics across your different countries of operation. Use the top table to select your significant impact areas/
areas/topics will be displayed automatically. Then use the table at the bottom to prioritise populations based on any gaps identified. Note
yond ‘Finance’ and ‘Equality & Justice’) to consider, you should prioritise based on the following considerations:
evels of country and/or location needs (level 3 or 4)
rge parts of the bank’s portfolio
ountries and or sectors where the bank is a market leader
d will enable other impact areas to be addressed (leveraging interlinkages)
mpact areas is based on the bank’s judgement and cannot be attributed to UNEP FI
read-across to the SDGs.

ere: https://www.unepfi.org/impact/impact-radar-mappings/
d significant impact areas/topics by country
Significant impact areas

Prioritised significant impact areas/topics across countries
ficant impact areas/topics Impact areas/topics
ountries


red under the ‘Portfolio Composition’ worksheet (a range of different visual representations are provided)
olio-Impact-Analysis-Tool-for-Banks-Consumer-Banking-Identification-Module.pdf
tly.
functionalities.
N/A

((please select))
Proportion of Consumer
Banking portfolio in the country
relative to total Consumer
Banking portfolio:

analysis relative to total
0.00%
Consumer Banking portfolio in
the country:
The charts show the positive and negative impacts on the 12 impact areas (as per the UNEP FI Impact Radar). More specifically, the lines i
rts represent the priorities in the country based on the needs assessment conducted in the Context Module (if the Module was used and
NEGATIVE IMPACTS POSITIVE IMPA

(CREDIT) (CURRENT ACCOUNTS A
ALL ASSOCIATIONS (credit) KEY ASSOCIATIONS (credit) ALL ASSOCIATIONS (accounts)
COUNTRY PRIORITIES LOCAL PRIORITIES COUNTRY PRIORITIES

Integrity & security of
Circularity 100%
ersity & healthy ecosystems Availability, accessibility, affordability, quality of resources & services
Biodiversity & healthy ecosystems
50%
50%

Climate stability 0%
ocio-economic convergence Equality & justice

Socio-economic convergence

Infrastructure
Healthy economies
Healthy economie
dots do not represent a value. They only show if an impact area is a priority in the countries/locations (based on data in
ontext Module). *the dots do not represent a value. They only show if an im
cations (based on data in the Context Module).
topic’ level) based on the needs assessment conducted in the Context Module (if the Module was used and data was imported).
ifferent impact areas and topics. More specifically, blue cells indicate positive associations and orange cells indicate negative associations.
n rights violations are in red).
opment Pillars →
Areas →
Topics →
ng SDG(s) →
and priorities N/A
d priorities N/A
Indicator 2: number of products - not

selected
Total % of portfolio (Indicator 2) Key sectors Type of association
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
0.00% positive impacts
negative impacts
positive impacts
al used to generate the credit spider charts.

negative impacts
positive impacts
generate the current accounts/savings spider charts.

negative impacts
nducted in the Context Module (if the Module was used and data was imported). Note that these relate specifically to the ‘Equality & Justi
heet.
Distribution of products/services across population group
Indicator 1: amount (credit)

Group 2 (please specify) 0.00%
Unspecified (Location) 0.00%

Urban 0.00%
Rural 0.00%
Unspecified (Age) 0.00%

Population groups
Senior (e.g. +60) 0.00%

Middle-age (e.g. 30-60) 0.00%
Youth (e.g. 18-30) 0.00%
Unspecified (Gender) 0.00%

Female 0.00%
Male 0.00%
Unspecified (Income) 0.00%

High-income population 0.00%
Middle-income populations 0.00%
Low-income populations 0.00%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00%
% of portfolio
areas/topics.
e top table to select your significant impact areas/topics based on the impacts driven by your products and services. Note that 'Finance' di
e populations based on any gaps identified. Note that the latter relate specifically to the ‘Equality & Justice’ impact area/topics, which focu
llowing considerations:
mpact areas
Comments
s/topics across countries
/topics
mpact areas
Comments

Indicator 1-current accounts & Indicator 2: number of Indicator 3: number of customers -
savings: amount products - not selected not selected
N/A N/A
0.00% N/A N/A

re specifically, the lines in the spider charts represent the proportion of portfolio associated with the different impact areas. Blue lines
e Module was used and data was imported). Please note that the first indicator (i.e. amount) is the one used to generate the spider charts
POSITIVE IMPACTS NEGATIVE IMPACTS

(CURRENT ACCOUNTS AND SAVINGS) (CURRENT ACCOUNTS AND SAVINGS)
ALL ASSOCIATIONS (accounts) KEY ASSOCIATIONS (accounts)
ALL ASSOCIATIONS (accounts) KEY ASSOCIATIONS (acc

Circularity 100% Health & safety Circularity Health & safety
100%
ecosystems Availability, accessibility, affordability, quality of resources & services Biodiversity & healthy ecosystems Availab
50% 50%
tability 0% Livelihood Climate stability 0% Live
onvergence Equality & justice Socio-economic convergence Equalit
Infrastructure Strong institutions, peace & stability Infrastructure Strong institution

t represent a value. They only show if an impact area is a priority in the countries/lo- *the dots do not represent a value. They only show if an impact area is a priority in the coun
on data in the Context Module). data in the Context Module).
was imported).
ate negative associations. Darker blue/orange signals ‘key’ impact associations).
Conflict Modern slavery Child labour
SDG 16 SDGs 8, 16 SDGs 8, 16
Filter here for: Conflict Filter here for: Modern slavery Filter here for: Child labour
0.00%
0.00%
0.00%
0.00%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
lly to the ‘Equality & Justice’ impact area/topics, which focuses on different population types. The bar charts show
Indicator 1: amount (current accounts and savi

Urban 0.00%
Rural 0.00%

Population groups
Senior (e.g. +60) 0.00%

Middle-age (e.g. 30-60) 0.00%
Youth (e.g. 18-30) 0.00%

Female 0.00%
Male 0.00%

0.00% 80.00% 90.00% 100.00% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00%
% of portfolio
es. Note that 'Finance' displays by default, as this impact area is associated with all consumer banking activities.
ct area/topics, which focuses on different population types.
N/A
Significant imp
Associated impacts
Impact area/topic
(positive)
Education,Mobility,Information,Flou
no impact area/topic selected rishing MSMEs,Socio-economic
convergence

Populations/ Equality &

(please select)
Justice
Prioritised SDGs
SDG 1 SDG 2
SDG 3 SDG 4
SDG 5 SDG 6
SDG 7 SDG 8
SDG 9 SDG 10
SDG 11 SDG 12
SDG 13 SDG 14
SDG 15 SDG 16
SDG 17
N/A
Indicator 1-current
Indicator 1-credit:
accounts & savings:
amount ((please select))
amount
Banking portfolio in the
country relative to total
Consumer Banking
portfolio:
Proportion of portfolio
under analysis relative to
0.00% 0.00%
total Consumer Banking
portfolio in the country:
fferent impact areas. Blue lines
used to generate the spider charts.
NEGATIVE IMPACTS
ENT ACCOUNTS AND SAVINGS)
ATIONS (accounts) KEY ASSOCIATIONS (accounts)

RIORITIES LOCAL PRIORITIES

ularity 100% Health & safety

50%
0% Livelihood
Equality & justice
ucture Strong institutions, peace & stability

Healthy economies
only show if an impact area is a priority in the countries/locations (based on

on Health & safety
Data privacy Natural disasters Health & safety Water
SDG 16 SDGs 11, 13 SDG 3 SDG 6
Filter here for: Data Filter here for: Natural Filter here for: Health &
Filter here for: Water
privacy disasters safety
0.00%
0.00%
0.00%
0.00%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
current accounts and savings) Indicat

Urban 0.00%
Rural 0.00%
Population groups
Senior (e.g. +60) 0.00%
Middle-age (e.g. 30-60) 0.00%
Youth (e.g. 18-30) 0.00%

Female 0.00%
Male 0.00%

0% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00% 0.00% 10.00% 20.00%
% of portfolio
Associated impacts
Comments
(negative)
(please select) (please select) (please select) (please select)
Indicator 2: number of products - Indicator 3: number of
not selected customers - not selected
N/A N/A
N/A N/A
Availability, accessibility, a
Food Energy Housing
SDG 2 SDG 7 SDG 11
Filter here for: Food Filter here for: Energy Filter here for: Housing
Indicator 2: number of products
ecify) 0.00%
ecify) 0.00%
ation) 0.00%
Urban 0.00%
Rural 0.00%
(Age) 0.00%
+60) 0.00%
0-60) 0.00%
8-30) 0.00%
nder) 0.00%
male 0.00%
Male 0.00%
ome) 0.00%
ation 0.00%
ations 0.00%
ations 0.00%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00% 80.00% 90.00% 100.00%
% of portfolio
N/A
Significant im
Associated impacts
Impact area/topic
(positive)
Education,Mobility,Infor
no impact area/topic mation,Flourishing
selected MSMEs,Socio-economic
convergence
no impact area/topic
selected
selected
selected
selected
selected
selected
selected
selected
selected

(please select)
Justice
N/A
Indicator 1-credit: Indicator 1-current accounts &

amount ((please select)) savings: amount
Proportion of Consumer Banking

portfolio in the country relative
to total Consumer Banking
portfolio:

0.00% 0.00%
the country:
Social
Healthcare & sanitation Education Mobility
SDGs 3, 6 SDG 4 SDGs 9, 11
Filter here for: Healthcare &

Filter here for: Education Filter here for: Mobility
sanitation
0.00%
0.00%
0.00%
0.00%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
Indicator 3: number of customers
Please note that this bar chart does not show percentages because if sam
fit from multiple products, some percentages may be higher than 100
anyway how products are distributed across populati
Urban
Rural
Unspecified (Age)
Population groups
Senior (e.g. +60)

Youth (e.g. 18-30)
Female
Male
0% 90.00% 100.00% Low-income populations
% of portfolio
Associated impacts
Comments
(negative)
N/A
Indicator 2: number of Indicator 3: number of

products - not selected customers - not selected
N/A N/A country relative to total
Consumer Banking
portfolio:
Proportion of portfolio
under analysis relative to
N/A N/A
total Consumer Banking
portfolio in the country:
Information Connectivity Culture & heritage Finance
SDG 16 SDG 9 SDG 11 SDGs 8, 9
Filter here for: Filter here for: Filter here for: Culture &
Filter here for: Finance
Information Connectivity heritage
number of customers
how percentages because if same customers bene-
ntages may be higher than 100%. The bars show
are distributed across populati
% of portfolio
N/A
Sig
Associated impacts
Impact area/topic
(positive)
Education,Mobility,Informat
no impact area/topic ion,Flourishing
selected MSMEs,Socio-economic
convergence
selected
selected
selected
selected
selected
selected
selected
selected
selected

Justice
Indicator 1-current
Indicator 1-credit: amount Indicator 2: number of Indicator 3: number of
accounts & savings:
((please select)) products - not selected customers - not selected
amount
N/A N/A
0.00% 0.00% N/A N/A

Livelihood
Employment Wages Social protection Gender equality
SDGs 1, 8 SDGs 1, 8 SDGs 1, 10 SDG 5
Filter here for: Social Filter here for: Gender

Filter here for: Employment Filter here for: Wages
protection equality
0.00%
0.00%
0.00%
0.00%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
Associated impacts
Comments
(negative)
N/A
Indicator 1-credit: Indicator 1-current
amount ((please accounts & savings:
select)) amount
country relative to total
Consumer Banking portfolio:

0.00% 0.00%
the country:
Equality & justice Strong institutions, peace & stability
Other vulnerable
Ethnic/racial equality Age discrimination Rule of law
groups
SDG 10 SDG 10 SDG 10 SDG 16
Filter here for: Filter here for: Age Filter here for: Other Filter here for: Rule of
Ethnic/racial equality discrimination vulnerable groups law
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
#VALUE! #VALUE!
#VALUE! #VALUE!
#VALUE! #VALUE!
#VALUE! #VALUE!
N/A

Impact area/topic
Education,Mobility,Info
rmation,Flourishing
MSMEs,Socio-
economic convergence

Populations/ Equality & Justice (please select) (please select)

Indicator 2: Indicator 3:
number of number of
products - not customers - not
selected selected
N/A N/A
N/A N/A
Socio-economic
Socio-economic
titutions, peace & stability Healthy economies Infrastructure Climate stability
convergence
Flourishing Socio-economic
Civil liberties Sector diversity Infrastructure Climate stability
MSMEs convergence
SDG 16 SDGs 8, 9 SDG 8 SDG 9 SDGs 10,17 SDG 13
Filter here for: Filter here for:

Flourishing Socio-economic
Civil liberties Sector diversity Infrastructure Climate stability
MSMEs convergence
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

pact areas
Comments
Natural environment
Resource
Waterbodies Air Soil Species Habitat
intensity
SDGs 6, 14 SDGs 11, 12 SDGs 15, 12 SDGs 14, 15 SDGs 14, 15 SDG 12
Filter here for:

Filter here for: Filter here for: Filter here for: Filter here for: Filter here for:
Resource
Waterbodies Air Soil Species Habitat
intensity
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
0.00% 0.00%
#VALUE! #VALUE!
#VALUE! #VALUE!
#VALUE! #VALUE!
#VALUE! #VALUE!
CALCULATIONS
Circularity
Waste
SDGs 11, 12
Filter here for:

Waste
0.00%
0.00%
0.00%
0.00%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
Sector-Impact Map (Extract)
About the Sector-Impact Map:
The Sector-Impact Map considers the positive and negative associations between industries / sectors / activities o
pillars of sustainable development (economic, environmental and social).
* The industries / sectors / activities used are those of ISIC Rev 4, with additions (referred to here as ISIC+)
* The impact areas and topics are those of the UNEP FI Impact Radar (2022 edition)
* Impact associations were mapped at the granular level, where there is a higher ISIC code, it will derive the maxim
associations from the granular ISIC codes underneath.
* The mapping builds on resources such as the Environmental Health and Safety Guidelines of the International Fin
Corporation, UNEP FI’s Risk Briefings, as well as thematic resources such as ENCORE. The mapping has also benefitt
reviews of several specialist organisations. It will continue to be further refined and updated over time based on e
experts, as well as to take into account user experience.
Please find the full Sector Mappings here: https://www.unepfi.org/impact/impact-radar-mappings/impactmappin
SECTORS & ACTIVITIES (ISIC REV 4)
Industry Level1 Level2 Level3 Level4 Level5 Level1 Name (ISIC

Classification Code Code Code Code Code (if Section)
applicab
le)
ISIC K 64 644 6441 64411 Financial and insurance
ISIC K 64 648 6480 Financial and insurance
ISIC K 64 648 6480 Financial and insurance
About this Extract:
between industries / sectors / activities on the three For the purpose of the Consumer
). Banking/Identification Module, only a sub-
dditions (referred to here as ISIC+) set of the Sector-Impact map is relevant,
022 edition) namely the items that refer specifically to
a higher ISIC code, it will derive the maximum impact consumer banking. For this reason, only
this subset is included here. Also, for the
d Safety Guidelines of the International Finance purpose of analysing consumer banking
as ENCORE. The mapping has also benefitted from the portfolios, a 'product' rather than a
refined and updated over time based on engagement with 'sector' view is taken. Therefore only the
product impact associations are reflected
in this mapping; activity/ institutional
ct/impact-radar-mappings/impactmappings/ impact associations are not reflected (i.e.
the impacts associated with the bank's
operations, such as employment, waste,
are excluded).
Level2 Name (ISIC Level 3 Name (ISIC Level4 Name (ISIC Class) level5 Name (ISIC+)
Division) Group)
Financial service activ Consumer banking Current accounts with Current accounts with paym
Financial service activ Consumer banking payment services with
Current accounts (cheques, Current accounts with payment services (ch
debit
paymentcards)
services without
(cheques,
Financial service activ Consumer banking Current accounts Current accounts without p
debit
paymentcards)
services without
Financial service activ Consumer banking Current accounts Current accounts without payment services
Financial service activ Consumer banking payment services
Savings accounts Savings accounts
Financial service activ Consumer banking Savings accounts Savings accounts
Financial service activ Consumer banking Certificates of deposit Certificates of deposit
Financial service activ Consumer banking Certificates of deposit Certificates of deposit
Financial service activ Consumer banking Credit cards Credit cards
Financial service activ Consumer banking Credit cards Credit cards
Financial service activ Consumer banking Consumer loans & overdraft Consumer loans & overdraf
Financial service activ Consumer banking Consumer loans & overdraft Consumer loans & overdraf
Financial service activ Consumer banking Securities-backed/ Securities-backed/ Lombard
Financial service activ Consumer banking Lombard / Structured loans
Securities-backed/ Securities-backed/ Lombard / Structured lo
Financial service activ Consumer banking Lombard
Home loans/ Structured
/mortgagesloans Home loans /mortgages
Financial service activ Consumer banking Home loans /mortgages Home loans /mortgages
Financial service activ Consumer banking Vehicle related loans Vehicle related loans
Financial service activ Consumer banking Vehicle related loans Vehicle related loans
Financial service activ Consumer banking Education related loans Education related loans
Financial service activ Consumer banking Education related loans Education related loans
Financial service activ Consumer banking Access to justice related Access to justice related lo
Financial service activ Consumer banking loans
Access to justice related Access to justice related loans
Financial service activ Consumer banking loans
Healthcare loans Healthcare loans
Financial service activ Consumer banking Healthcare loans Healthcare loans
Financial service activ Consumer banking Other specialised credit Other specialised credit
Financial service activ Consumer banking Other specialised credit Other specialised credit
Financial service activ Consumer banking Targeted products Targeted products - low
Financial service activ Consumer banking Targeted products income
Targetedpopulations
products - low
Financial service activ Consumer banking Targeted products income populations
Targeted products -
Financial service activ Consumer banking Targeted products women
Targeted products -
Financial service activ Consumer banking Targeted products women
Targeted products -
Financial service activ Consumer banking Targeted products youth
Targeted products -
Financial service activ Consumer banking Targeted products youth
Targeted products -
Financial service activ Consumer banking Targeted products senior population
Targeted products -
Financial service activ Consumer banking Targeted products senior population
Targeted products - rural
Financial service activ Consumer banking Targeted products populations
Targeted products - rural
Financial service activ Consumer banking Targeted products populations
Targeted products - other
Financial service activ Consumer banking Targeted products vulnerable groups - other
Targeted products
Financial service activ Microcredit Microcredit vulnerable groups
Financial service activ Microcredit Microcredit
act: How to read and use the map extract:
e of the Consumer *Consumer banking activities (i.e. products and services) are listed vertically, impact
fication Module, only a sub- areas and topics are listed horizontally
r-Impact map is relevant, *Associations are marked with numbers: 0 means no association, 1 means an
ms that refer specifically to association and 2 means association with a key sector
ing. For this reason, only *A very brief explanation is offered alongside each association. More detailed
cluded here. Also, for the explanations on key sectors can be found in the standalone 'sector mappings' file
ysing consumer banking *To make navigation and searching easier, filters can be applied to the table by
oduct' rather than a activity (product/service), by type of association (positive/negative and/or key
taken. Therefore only the sectors)or by impact topic
associations are reflected
; activity/ institutional The map is the basis on which the data visualisations in the 'Profile' worksheets are
tions are not reflected (i.e. generated.
ociated with the bank's
h as employment, waste,
INTEG
Key sectors ImpactType Conflict Conflict C Modern slavery
key positive Positive

ts with payment services (chNegative
ts without payment servicesNegative
Negative
Negative
key negative Negative
ed/ Lombard / Structured lo Negative
Negative
Negative
e related loans Negative
Negative
Negative
Negative
Negative
Negative
Negative
Negative
Negative
ts and services) are listed vertically, impact
0 means no association, 1 means an

a key sector
side each association. More detailed
in the standalone 'sector mappings' file
r, filters can be applied to the table by
ciation (positive/negative and/or key
sualisations in the 'Profile' worksheets are
INTEGRITY & SECURITY OF PERSON
Modern slavery C Child labour Child labour C Data privacy Data privacy C
HEALTH & SAFETY
Natural disasters Natural disasters C Health & safety Health & safety C
Water Water C Food Food C Energy Energy C
AVAILABILITY, ACCESSIBILITY, AFFORDABILITY, QU
Housing Housing C Healthcare & sanitation
2 Contributes to access to housing

1
AVAILABILITY, ACCESSIBILITY, AFFORDABILITY, QUALITY OF RESOURCES & SERVICES
Healthcare & sanitation C Education Education Mobili Mobili Information

C ty ty C
2 Contributes to access to transportation

2 Contributes to access to education
Contributes to access to healthcare

Information C Connectivity Connectivity C Culture & heritage Culture & heritage C
o access to transportation
Finance Finance C Employment Employment C
2 individuals' access to finance an integral part of a well functioning economy

2 risk of debt overburden
2 Access to credit; financial inclusion
2 influences individual access to finance
LIVELIHOOD
Wages Wages C Social protection Social protection C

EQUALITY & JUSTICE
Gender equality Gender equality C Ethnic/racial equality Ethnic/racial equality C

2 helps to empower women through financing
EQUALITY & JUSTICE
Age discrimination Age discrimination C Other vulnerable groups Other vulnerable groups C
2 helps to alleviate inequality in low-income p
2 helps to empower youth through financing
2 helps to empower older population demographics through financing
2 helps to alleviate inequality
2 helps to alleviate inequality
2 key for under-represented groups

STRONG INSTITUTIONS, PEACE & STABILITY HEALTHY ECONOM
Rule of law Rule of law C Civil liberties Civil liberties C Sector diversity
1 contributes to acces 1 contributes to access to justice for low/income populations
quality in low-income populations
ented groups
HEALTHY ECONOMIES INFRASTRUCTURE
Sector diversity C Flourishing Flourishing Infrastructure

MSMEs MSMEs C
stice for low/income populations
2 supports economic activity

2 supports MSMEs
INFRASTRUCTURE SOCIO-ECONOMIC CONVERGENCE
Infrastructure C Socio-economic convergence Socio-economic convergence C
1 contributes to convergence through access to finance


CLIMATE STABILITY
Climate stability Climate stability C Waterbodies
ce through access to finance

1 emissions
1 emissions

BIODIVERSITY & HEALTHY ECOS
Waterbodies C Air Air C

BIODIVERSITY & HEALTHY ECOSYSTEMS
Soil Soil C Species Species C

CIRCULARITY
Habitat Habitat C Resource intensity Resource intensity C
1 Energy intensive product
1 Energy intensive product

CIRCULARITY
Waste Waste C
Interlinkages Map
The Interlinkages Map explores the interlinkages between Impact Areas and Topics. It reflects the Impact Areas and T
How to read and use the map:

*All Impact Areas and Topics are listed both vertically and horizontally: please start from the the horizontal listing at
*An example action is provided under each Impact Topic
*Potential interlinkages are then marked with an 'X' where apllicable (read across to the vertical listing of Impact Are
*A very brief explanation is offered alongside each interlinkage
*To make navigation and searching easier, filters can be applied to the table by Impact Area or Topic, and/or by the t
Please find the full Interlinkages Mapping here: https://www.unepfi.org/impact/impact-radar-mappings/impactmapp
If you act upon…
↓ ↓
Impact areas Impact topics
Integrity & security of person Conflict

Integrity & security of person Conflict
Integrity & security of person Modern slavery
Integrity & security of person Modern slavery
Integrity & security of person Child labour
Integrity & security of person Child labour
Integrity & security of person Data privacy
Integrity & security of person Data privacy
Integrity & security of person Natural disasters
Integrity & security of person Natural disasters
Health & safety Health & safety
Health & safety Health & safety
Availability, accessibility, affordability, Water
quality of resources & services
Availability, accessibility, affordability, Water
Availability, accessibility, affordability, Food
Availability, accessibility, affordability, Food
Availability, accessibility, affordability, Energy
Availability, accessibility, affordability, Energy
Availability, accessibility, affordability, Housing
Availability, accessibility, affordability, Housing
Availability, accessibility, affordability, Healthcare & sanitation
Availability, accessibility, affordability, Healthcare & sanitation
Availability, accessibility, affordability, Education
Availability, accessibility, affordability, Education
Availability, accessibility, affordability, Mobility
Availability, accessibility, affordability, Mobility
Availability, accessibility, affordability, Information
Availability, accessibility, affordability, Information
Availability, accessibility, affordability, Connectivity
Availability, accessibility, affordability, Connectivity
Availability, accessibility, affordability, Culture & heritage
Availability, accessibility, affordability, Culture & heritage
Availability, accessibility, affordability, Finance
Availability, accessibility, affordability, Finance
Livelihood Employment
Livelihood Employment
Livelihood Wages
Livelihood Wages
Livelihood Social protection
Livelihood Social protection
Equality & Justice Gender equality
Equality & Justice Gender equality
Equality & Justice Ethnic/racial equality
Equality & Justice Ethnic/racial equality
Equality & Justice Age discrimination
Equality & Justice Age discrimination
Equality & Justice Other vulnerable groups
Equality & Justice Other vulnerable groups
Strong institutions, peace & stability Rule of law
Strong institutions, peace & stability Rule of law
Strong institutions, peace & stability Civil liberties
Strong institutions, peace & stability Civil liberties
Healthy economies Sector diversity
Healthy economies Sector diversity
Healthy economies Flourishing MSMEs
Healthy economies Flourishing MSMEs
Infrastructure Infrastructure
Infrastructure Infrastructure
Socio-economic convergence Socio-economic convergenc
Socio-economic convergence Socio-economic
convergence
Climate stability Climate stability
Climate stability Climate stability
Biodiversity & healthy ecosystems Waterbodies
Biodiversity & healthy ecosystems Waterbodies
Biodiversity & healthy ecosystems Air
Biodiversity & healthy ecosystems Air
Biodiversity & healthy ecosystems Soil
Biodiversity & healthy ecosystems Soil
Biodiversity & healthy ecosystems Species
Biodiversity & healthy ecosystems Species
Biodiversity & healthy ecosystems Habitat
Biodiversity & healthy ecosystems Habitat
Circularity Resource intensity
Circularity Resource intensity
Circularity Waste
Circularity Waste
mpact Areas and Topics. It reflects the Impact Areas and Topics that might be positively or negatively affected when seeking to address an
horizontally: please start from the the horizontal listing at the top
apllicable (read across to the vertical listing of Impact Areas and Topics)
kage
plied to the table by Impact Area or Topic, and/or by the type of interlinkage (positive/negative)
w.unepfi.org/impact/impact-radar-mappings/impactmappings/
Conflict
By Mind these
Narrative
↓ Interlinkages
↓ explanation
Interlinkages (Conflict)
(Conflict)
Avoiding or mitigating activities that might be positive

fuelling the conflict…
Avoiding or mitigating activities that might be negative
fuelling the conflict…
Monitoring and managing labour conditions positive
Monitoring and managing labour conditions negative
Monitoring and managing labour conditions positive
Monitoring and managing labour conditions negative
designing and implementing appropriate policies positive
designing and implementing appropriate policies negative
Reducing emisssions (to mitigate climate change and positive x conflicts are often
hence extreme weather events) and/or improving linked to the
Reducing emisssions
physical resilience to (to mitigate
natural climate change and
disasters negative consequences of
hence extreme weather events) and/or improving natural disasters
the nature
physical of products
resilience and services
to natural offered and/or
disasters positive
measures taken to protect health and safety
the nature of products and services offered and/or negative
measures taken to protect health and safety
the nature of products and services offered and/or positive x water scarcity
measures taken to enhance availability, accessibility creates conflict.
the
and nature of products
affordability and services offered and/or
of water negative
measures taken to enhance availability, accessibility
the nature
and of products
affordability and services offered a
of water positive
the nature of products and services offered a negative
the nature of products and services offered positive
the nature of products and services offered negative
the nature of products and services offered and/or positive
accessibility/distribution solutions that reduce the
the
neednature of products and services offered and/or
for mobility negative
accessibility/distribution solutions that reduce the
the nature
need of products and services offered
for mobility positive
measures taken to preserver culture and heritage
measures taken to preserver culture and heritage
providing employment opportunities positive
providing employment opportunities negative
promoting good labour practices in relation to wages positive
promoting good labour practices in relation to wages negative
promoting good labour practices in relation to social positive
protection
promoting good labour practices in relation to social negative
protection
measures taken to promote gender equality
measures taken to promote gender equality
the nature of products and services offered and/or positive x exclusion and inequa
measures taken to promote ethnic/racial equality
measures taken to promote ethnic/racial equality
measures taken to avoid age discrimination
measures taken to avoid age discrimination
measures taken to promote justice and equality for
the nature
other of products
vulnerable groupsand services offered and/or negative
measures taken to promote justice and equality for
fighting corruption,
other vulnerable illicit financial flows, tax evasion
groups positive x can help dampen
the fuel conflict
fighting corruption, illicit financial flows, tax evasion negative
considering the status of civil liberties positive
considering the status of civil liberties negative
the nature of investment and business development positive
choices
the nature of investment and business development negative
choices
the nature of investment and business development positive
choices, supply chain management
the nature of investment and business development negative
choices, supply chain management
workplace practices and/or investment and business positive
development choices
workplace practices and/or investment and business negative
development choices
production and consumption practices
production and consumption practices
measures taken to protect waterbodies and/or positive
products and services focused on preserving
measures taken to protect waterbodies and/or
waterbodies negative
measures
waterbodiestaken to protect waterbodies and/or positive
measures
waterbodiestaken to protect waterbodies and/or negative
waterbodies positive
products and services focused on preserving soil
quality negative
products and services focused on preserving soil
quality positive
biodiversity negative
biodiversity positive
products and services focused on preserving habitats
measures taken to protect waterbodies and/or negative
products and services focused on preserving habitats
production and consumption practices and/or the positive
nature of products and services offered
production and consumption practices and/or the negative
production and consumption practices and/or the positive
production and consumption practices and/or the negative
when seeking to address any one Impact Area/Topic. The map is used to generate the corresponding data visualisations in the 'Profile' wor
Modern slavery Child labour Data privacy
Narrative Narrative
Interlinkages Interlinkages Interlinkages
explanation explanation (Child
(Modern slavery) (Child labour) (Data privacy)
(Modern slavery) labour)
x Violent conflict x Violent conflict x

increases the leads to the
vulnerability of forced
populations to recruitment of
x lower likelihood of
child labour
x lower likelihood of
modern slavery
x education leads to
a lower likelihood
of child labour
x decent work x decent work

opportunities can opportunities may
help avoid the reduce the
occurence of ocurrence of child
x good labour x good wage
practices can help conditions may
avoid the reduce the
occurence of ocurrence of child
x good labour x social protection
practices can help may reduce the
avoid the ocurrence of child
occurence of labour
x modern slavery a
significant aspect
of gender
inequalities
x modern slavery a
significant aspect
of racial/ethnic
inequalities
x child labour a
significant aspect
of age-related
inequalities
x modern slavery a
significant aspect
of inequalities vis
a vis other
x can help avoid an x can help avoid an x
enabling enabling
environment for environment for
modern slavery child labour
x potential risk of
modern slavery
ing data visualisations in the 'Profile' worksheets.
Health & safety
Data privacy Natural disasters Health & safety
Narrative Narrative Narrative

Interlinkages Interlinkages
explanation (Data explanation explanation
(Natural disasters) (Health & safety)
privacy) (Natural disasters) (Health & safety)
Violent conflict x Violent conflict x Violent conflict

may lead to diverts leads to increased
breaches of socioeconomic risk of injury and
civilian data resources away diverts resources
x can be improved if
employment
conditions are
improved
x can be improved
through absence
of labour
x can contribute to
preserving mental
health
x may contribute to
better health
linked to
increased air
x water is crucial for
good health
x access to food is
important to
human health
x critical to health
and safety
x mobility solutions
can decrease air
quality, increase
noise pollution,
x connectivity can
enable enhanced
x hyper-connectivity
accesibility of
and/or lack of
health services
x culture andin the
interaction
heritage
physical world can
contribute to
mental health and
x good labour
practices can
contribute to
health and safety
x health and safety

issues a significant
aspect of gender
inequalities
x health and safety
aspect of
ethnic/racial
x health and safety
aspect of age
discrimination
x health and safety
aspect of
inequalities of
can help avoid an
enabling
environment for
data privacy
x smart x sound
infrastructure infrastructure
solutions can x set-up of new
underpins health
contriute to better infrastructure
and safety of may
drive health and
safety issues for
x reduced GHG x reduced GHG

emissions helps emissions helps
address extreme increase air
weather events quality
x healthy
waterbodies
support human
health
x Reduced air
pollution is better
human health
x healthy
environments
contribute to
mental health and
x increased energy x increased
efficiency resource efficiency
contributes to is central to
reduced maintaining
x waste reduction
and management
is central to
maintaining
Water Food Energy
Narrative Narrative
explanation explanation
(Water) (Food) (Energy)
(Water) (Food)
x Violent conflict x Violent conflict x

has the potential can negatively
to disrupt water impact food
supply. production and
x food scarcity
creates conflict
x water usage in
agriculture /
production of
food
x sanitation will
reduce the
likelihood of water
contamination
x water-related x
infrastructure
x
x improved water
quality results in
more water
availability for
x waste reduction x waste reduction

and management and management
helps ensure helps ensure
quality drinking quality food
Availability, accessibility, affordability, quality
Energy Housing Healthcare & sanitation
Narrative
Narrative Narrative Interlinkages
Interlinkages explanation
explanation explanation (Healthcare &
(Housing) (Healthcare &
(Energy) (Housing) sanitation)
sanitation)
Violent conflict x Armed conflict x Armed conflict can
has a detrimental leads to internal negatively impact
impact on access displacement and water and
to energy and housing insecurity. sanitation
x less strain on
healthcare
services
energy-related x sanitation-related
infastructure infrastructure
transition to low
carbon energy
may place
pressure on access
energy efficiency
can contribute to
energy availability
for all
x Improved
sanitation
ilability, accessibility, affordability, quality of resources & services
Education Mobility Information
Narrative Narrative
(Education) (Mobility) (Information)
(Education) (Mobility)
x Armed conflict x can have a x

makes it unsafe negative impact
for children to on freedom of
attend schools. movement both
x may result in
enhanced access
to education by
children if these
x Access to free
information is
important for
education
x connectivity can x can help mobility x
enable enhanced by reducing
accessibility of volume of x
health services transport needed
x culture and
heritage is an
important part of
education
x may enhance x may enhance x
gender equality if ethnic/racial
adequately equality
targetted and
x access to
education a
significant aspect
of gender
x access to
education a
significant aspect
of ethnic/racial
x access to
education a
significant aspect
of inequalities of
x enables mobility
(roads, rails, ports
etc)
Information Connectivity Culture & heritage
Narrative
Narrative Narrative Interlinkages
Interlinkages explanation
explanation explanation (Culture &
(Connectivity) (Culture &
(Information) (Connectivity) heritage)
heritage)
Armed conflict can x Armed conflict can x Armed conflict has
have a negative negatively impact a destructive
impact on Internet impact on the
freedom of infrastructure and ability to main
connectivity x can help spread
enables access to awareness and
connectivity
information can x can lead to over-
promote
fuel the spread of promotion
protection of
misinformation / some cultures
fake news over others
may enhance
equality and
justice for other
vulnerable groups
x telecommunicatio
n and internet
require large
infrastructure
Livelihood
Finance Employment Wages
Narrative Narrative
(Finance) (Employment) (Wages)
(Finance) (Employment)
x People living in x Widespread x

conflict zones are conflict may
less likely to have decrease
access to financial economic
x
x education an x
important factor
in securing
employment
x can be an
important factor
for access to
employment
x access to online x may enable

financial services specific
employment x
opportunities
x access to finance a x access to x

significant aspect employment a
of gender significant aspect
inequalities of gender
x access to finance x access to x
a significant employment a
aspect of significant aspect
ethnic/racial of ethnic/racial
x access to
employment a
significant aspect
of age
x access to finance x access to x
a significant employment a
aspect of significant aspect
inequalities of of inequalities of
x Enables further
chances of
employment
x enables further
chances of
employment
x infrastructure
development a
strong source of
employment
Livelihood
Wages Social protection Gender equality
Narrative Narrative Narrative

Interlinkages Interlinkages
explanation explanation explanation
(Social protection) (Gender equality)
(Wages) (Social protection) (Gender equality)
Armed conflict has x Armed conflict can x Women and girls

a negative impact increase the tend to be
on economic demand for social disproportionately
growth, which is protection due to affected by armed
may result in x may result in x may result in
better wages if better social better gender
employment protection if equality if
conditions are employment employment
education likely to x education likely to x education helps to
improve wage improve social reduce prejudices
conditions protection levels and inequality
remote work may

affect wages
Provides wages x may enhance x may enhance

social protection gender equality
x may enhance
gender equality
x helps to protect
against
discrimination in
the workplace
wages a significant
aspect of gender
inequalities
wages a significant
aspect of
ethnic/racial
inequalities
wages a significant
aspect of
inequalities of
other vulnerable
x potential risk of
low social
protection x gender equality an
aspect of socio-
economic
convergence
Equality & Justice
Ethnic/racial equality Age discrimination Other vulnerable groups
Narrative
Interlinkages Narrative Interlinkages
explanation Interlinkages (Age
(Ethnic/racial explanation (Age (Other vulnerable
(Ethnic/racial discrimination)
equality) discrimination) groups)
equality)
x Armed conflict can
exacerbate
tensions and lead
to higher levels of
x may result in
better
ethnic/racial
equality if
x may result in
improved equality
and justie for
children if these
x education helps to x education helps to x
reduce prejudices reduce prejudices
and inequality and inequality
x may enhance x may help combate x

ethnic/racial age discrimination
equality if if adequately
adequately targetted and
x may enhance x may help combate x
ethnic/racial age discrimination
equality if if adequately
adequately targetted and
x helps to protect x helps to protect x
against against
discrimination in discrimination in
the workplace the workplace
x potential risk of x
ethnic/racial
x ethnic/racial
discrimination x age equality an x
equality an aspect aspect of socio-
of socio-economic economic
convergence convergence
x
Strong institutions, peace & stability
Other vulnerable groups Rule of law Civil liberties
Narrative
Narrative Narrative
explanation Interlinkages Interlinkages (Civil
explanation (Rule explanation (Civil
(Other vulnerable (Rule of law) liberties)
of law) liberties)
groups)
x helps avoid
undermining rule
of law
x can contribute to
avoiding
disturbances and
interferences in
education helps to
reduce prejudices
and inequality
x access to x access to
informtion key for informtion key for
the rule of law the exercise of
civil liberties
may enhance
equality and
justice for other
vulnerable groups
may enhance
equality and
justice for other
vulnerable groups
helps to protect
against
discrimination in
the workplace
potential risk to
other vulnerable
consideration of
groups
vulnerable groups
an aspect of socio-
economic
transition to low
carbon energy
may place
pressure on
Healthy economies Infrastructure
Sector diversity Flourishing MSMEs Infrastructure
Narrative
Narrative Interlinkages
Interlinkages explanation Interlinkages
explanation (Flourishing
(Sector diversity) (Flourishing (Infrastructure)
(Sector diversity) MSMEs)
MSMEs)
x
x
x access to finance
important for
MSMEs
x helps create an x helps create an
enabling enabling
environment for environment for
busines busines
x diverse economies
provide the
platform for
flourishing MSMEs
x MSMEs are a
crucial part of
diverse economies
x can lead to more x can enable further

sector diversity creation of
MSMEs
x new technologies,
sectors and
businesses to x may result in
develop around fewer resources
x new technologies, for businesses or
sectors and increased costs
businesses to
develop around
Infrastructure Socio-economic convergence Climate stability
Narrative
Narrative Interlinkages Narrative
explanation Interlinkages
explanation (Socio-economic explanation
(Socio-economic (Climate stability)
(Infrastructure) convergence) (Climate stability)
convergence)
x may result in
enhanced socio-
economic
convergende if
may contribute to x may contribute to

more resilient and climate stability if
well adapted GHG emissions are
infrastructure reduced
core part of x socio-economic
infrastructure development
contingent on x source of energy
energy availability, may have high
emissions
mobility one of x mobility an x climate stability

the key important factor can be promoted
components of in achieving social x transport
with methods
infrastructure mobility may have high
remote/digital
emissions
x socio-economic
convergence is
contingent on x connectivity is
connectivity energy intensive
and contributes to
GHG emissions
x Access to finance
important for
socio-economic
convergence
x Socio-economic
convergence is
continent on
employment and
x better wages help
enable social
mobility
x social protection
helps enable
social mobility
x helps to enable
social mobility,
addressing the
gender pay gap
x helps to enable
social mobility,
addressing gaps
between
x helps to enable
social mobility,
addressing gaps
between
x socio-economic
convergence is
contingent on the
rule of law
x diversity of
economies can
promote socio- x Industry/
economic Manufacturing are
an important part
of a diverse
x flourishing MSMEs
contribute to
socio-economic
convergence
x socio-economic
convergence
contingent on
adequate
x transition to low
carbon energy
availability of may contribute to
water resources economic
an intrinsic aspect
of infrastructure
x fewer toxic gases,
often GHGs, being
released into the
atmosphere
x preservation of x preservation of
habitat can be forest habitat
promoted by contibutes to
shorter carbon absorption
x reduced emissions
Biodiversity & healthy ecosystems
Waterbodies Air Soil
Narrative
Interlinkages Narrative Interlinkages
explanation Interlinkages (Air)
(Waterbodies) explanation (Air) (Soil)
(Waterbodies)
x water quality may x
diminish through
agriculture
x source of energy
may affect air
quality
x air quality can be

promoted with
x transport methods
remote/digital
may contribute
service offerings
towards air
pollution
x Industry/ x Industry/ x
Manufacturing are Manufacturing are
an important part an important part
of a diverse of a diverse
x reducing GHG x Less toxic gases

emissions helps contributing to air
combat ocean pollution
acidification
x enhancing quality x preservaton of x

of waterbodies an and water
important part of habitats is
preserving water important for
x not disturbing x energy efficiency x
waterbodies with can reduce
resource emissions and
extraction increase air
x less waste in x
waterbodies
increases water
quality
versity & healthy ecosystems
Soil Species Habitat
Narrative Narrative
Narrative Interlinkages Interlinkages
explanation (Soil) (Species) (Habitat)
(Species) (Habitat)
soil quality may x habitat may be
diminish through affected through
agriculture agriculture
x Source of energy x source of energy
may affect certain may affect habitat
species (e.g.
windpower and
x Housing can x housing can
negatively affect negatively affect
local wildlife local habitats
x mobility solutions x mobility solutions

may intefere with may intefere with
certain species habitat
Industry/ x Industry/ x Industry/
Manufacturing are Manufacturing are Manufacturing are
an important part an important part an important part
of a diverse of a diverse of a diverse
Infrastructure is x Infrastructure can x Infrastructure can

often land- negatively affect negatively affect
intensive local species and local habitats
wildlife
x climate stability x climate stability

important for important for
preservation of preservation of
biodiversity certain habitats
x waterbodies are x waterbodies are
important for part of key
many species and habitats
wildlife
x less air pollution is
better for species
and local wildlife
enhancing quality x habitats are

of soil is an important for
important part of maintenance of
preserving soil species
not disturbing soil x not disturbing x not destroying
with resource species with habitats with
extraction resource resource
extraction extraction
reduced waste x less waste x less waste found
and better waste consumed by in habitats
management species
contributes to
Circularity
Resource intensity Waste
Narrative
Interlinkages Narrative
explanation Interlinkages
(Resource explanation
(Resource (Waste)
intensity) (Waste)
intensity)
x may contribute to
resource efficiency
if energy efficiency
measures are
x energy intensity
may increase
x construction and x construction and

running of housing running of housing
is resource x sanitation
is waste intensive
intensive important in
managing
pollution
x mobility solutions
are resource
intensive
x connectivity is
energy intensive
x Industry/ x Industry/
Manufacturing are Manufacturing are
an important part an important part
of a diverse of a diverse
x MSMEs may be x MSMEs may

resource intensive produce
in their activities significant waste
x Infrastructure x Infrastructure
projects are very projects create
resource intensive significant waste
x energy efficiency
gains can be made
when combating
climate change
x preserving water x preserving water
bodies can be bodies can be
driven by driven by
promoting water promoting waste
x promoting air
quality can be
driven by
promoting waste
x waste reduction is
key to the
preservation of
habitats
x reduced waste
x reduced waste
can be a function
of increased
resource efficiency
CALCULATIONS
I
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r
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i
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C
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o
a
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g
fe
s
(
C
Integrity
o & security of person
n
f
lIntegrity & security of person
i
cIntegrity & security of person
t
)Integrity & security of person
Health & safety
Health & safety
Institutional
Consumer Banking Banking
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Impact Areas →
consumer Integrity & security of person Health & safety
banking +
institutional
banking
Impact Topics → (Conflict, Modern slavery, Child

labour , Data privacy, Natural /
disasters)
SDGs →
SDGs 8,11,13,16 SDG 3
Countries & Locations
↓
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consumer banking + institutional bankingIntegrity & Security of Person

Conflict Modern slavery
SDG 16 SDGs 8, 16
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Institutional Banking/Assessment Module

Sources
1 #N/A
#N/A 1 Statistics International resources Resources
#N/A 2 Metrics
Scoring system:
#N/A 3
1 (low system:
Scoring need)
#N/A 4 2 (moderate
Scoring system:
need)
#N/A 5 Scoring
3 (highsystem:
need)
#N/A 6 4 (very high
#N/A 7 need)
Comments
#N/A 8 Values
#N/A 9 Need scores
#N/A 10 Regional/country resources Resources
#N/A 11 Metrics
#N/A 12 Scoring system
#N/A 13 Comments
#N/A 14 Values
#N/A 15 Need scores
16 Need score per impact area/topic

#N/A
#N/A 17 Policy Documents #N/A Comments
#N/A 18 Priorities
#N/A 19 #N/A Comments
#N/A 20 Priorities
#N/A 22 Priorities
#N/A 23 Priority impact area/topic?
#N/A 24 Trends & Scenarios International resources Resources
#N/A 25 Comments
Direction of
26
#N/A trends
#N/A 28 Comments
Direction of
29
#N/A trends
Status of impact area/topic

30
deteriorating?
#N/A
2 #N/A
#N/A 2 Metrics
Scoring system:
3
1 (low need)
#N/A
Scoring system:
4 2 (moderate
need)
#N/A
Scoring system:
5
3 (high need)
#N/A
Scoring system:
6 4 (very high
need)
#N/A
#N/A 7 Comments
#N/A 8 Values
#N/A 9 Need scores
#N/A 11 Metrics
12 Scoring system
#N/A
#N/A 13 Comments
#N/A 14 Values
#N/A 15 Need scores

#N/A
#N/A 18 Priorities
#N/A 20 Priorities
#N/A 22 Priorities
#N/A 25 Comments
Direction of
26
#N/A trends
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Direction of
29
#N/A trends
30
#N/A deteriorating?
3 #N/A
#N/A 2 Metrics
Scoring system:
3
1 (low need)
#N/A
Scoring system:
4 2 (moderate
need)
#N/A
Scoring system:
5
3 (high need)
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need)
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12 Scoring system
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#N/A
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Direction of
26
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Direction of
29
#N/A trends
30
#N/A deteriorating?
4 #N/A
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3
1 (low need)
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Scoring system:
4 2 (moderate
need)
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5
3 (high need)
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6 4 (very high
need)
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12 Scoring system
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#N/A
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26
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29
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30
#N/A deteriorating?
5 #N/A
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3
1 (low need)
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Scoring system:
4 2 (moderate
need)
#N/A
Scoring system:
5
3 (high need)
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6 4 (very high
need)
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12 Scoring system
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#N/A
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#N/A 25 Comments
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26
#N/A trends
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Direction of
29
#N/A trends
30
#N/A deteriorating?
Global 1 Statistics Default resources Resources

Global 2 Metrics
Scoring system
(methodology)
Global
Scoring system:
3
1 (low need)
Global
Scoring system:
4 2 (moderate
need)
Global
Scoring system:
5
3 (high need)
Global
Scoring system:
6 4 (very high
need)
Global
Global 7 Comments
Global 8 Values
Global 9 Additional resources Need scores
Global 10 Resources
(use this space only if you wish to
Global 11 complement prepopulated data) Metrics
12 Scoring system
Global
Global 13 Comments
Global 14 Values
Global 15 Need scores
Global 16 Score per impact area/topic
SDG Progress Report 2023 & UN
Global 17 Policy Documents Key points
Secretary General Annual Report
Global 18 Additional points from UN Priorities
Additional
Global 19 agencies and reputable
points
Global 20 organisations
Global 23 Priority impact area/topic?
Global 24 Trends & Scenarios Default resources Resources
Global 25 Comments
Direction of
26
Global trends
Global 27 Additional resources Resources
Global 28 Comments
Direction of
29
Global trends
Global 30
deteriorating?
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Report 2021 N/A
DLAGlobal
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k.de/conflict-barometer/current-version/?lang=en
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https://www.dlapiperdataprotection.com/
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d to eradicating modern slavery through their national legislation associated
and policies,
with increasing
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yes N/A N/A N/A yes N/A
countries Consumer Banking no Institutional Banking
1 N/A
2 N/A
3 N/A
4 N/A
5 N/A
6 N/A
7 N/A
8 N/A
9 N/A
10 N/A
11 N/A
12 N/A
13 N/A
14 N/A
15 N/A
16 N/A
17 N/A
18 N/A
19 N/A
20 N/A
21 N/A
22 N/A
23 N/A
24 N/A
25 N/A
26 N/A
27 N/A
28 N/A
29 N/A
30 N/A
GLOBAL no
Biodiversity &
Socio-economic Climate
healthy Circularity consumer
convergence stability
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able Development Report

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h and well-being. (https://www.who.int/about/what-we-do/thirteenth-general-programme-of-work-2019---2023)
yes is "better nutrition". (https://www.fao.org/strategic-framewor
ition, better environment, and better life". (https://www.fao.org/strategic-framework/en)
One of FAO's priorities yes
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org/en/Publications/Policy-Papers/Issues/2023/05/31/FY2024-FY2026-Medium-Term-Budget-533985)
One of UNCTAD's priorities is Elevated food prices. (https://unctad.org/publication/trade-and-development
N/A N/A yes yes

IPCC AR6 Summary for Policymakers
es (high confidence), trauma from extreme
2.4 billionevents
people(very SDG
livedhigh Progress
in suffering Report
water-stressed
confidence),
fromand 2023
hunger SDG
countries.
wasThe Progress
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million, still far above prepandemic
of livelihoods and culture (high confidence) compounded by conflicts and climate change. levels.
deteriorating static deteriorating

Yes N/A N/A Yes
utional Banking no transfer to Assessment Module
Availability,
accessibility,
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Impact Areas → affordability,
security of Health & safety Livelihood
quality of
person
resources
(Water, &
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services
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Data privacy, protection)
Information,
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Connectivity,
disasters)
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heritage,
Finance)
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heritage
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Food2 Food3 Energy Housing Housing2
ability, quality of resources & services

Energy Housing
SDG 7 SDG 11
#N/A #N/A #N/A #N/A #N/A




Energy Housing
SDG 7 SDG 11







Energy Housing
SDG 7 SDG 11






Energy Housing
SDG 7 SDG 11






Energy Housing
SDG 7 SDG 11





Food2 Food3 Energy Housing Housing2

Energy Housing
World Obesity Federation Global

The
Sustainable
Economist
ObesityDevelopment
Observatory
IntelligenceReport
Unit - Global
2021 (original
FoodUNSecurity
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data: World
SDG
Index
OECD
Database
Bank
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for All)(page 5
s://data.worldobesity.org/tables/prevalence-of-adult-overweight-obesity-2/
https://dashboards.sdgindex.org/map/indicators/population-with-access-to-electricity
https://foodsecurityindex.eiu.com/Index
https://unstats.un.org/sdgs/indicators/database/
https://www.oecd.org/els/family/HC3-1-Homeless-pop
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security(BMI
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15-24.9% 0.26%-0.5%
d by the resource) > 28.9 <45 high food>80%

insecurity
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fferentiates between subsets such as urban vs rural, slums, etc.
22.35 62.2 84.9 32.7 0.0029
3 2 3 4 3
At the current pace, about 660Approximately

million people1.1 will
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er was close to 800 million, still far above prepandemic levels.
polluting fuels and technologies
expected
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in the by
next
203030 years.
One of UNDP's priorities is energy. (https://strategicplan.undp.org/)
". (https://www.fao.org/strategic-framework/en) yes yes
One of UNCTAD's priorities is Declining energy costs. (https://unctad.org/publication/trade-and-development-report-upda
&id=p::usmarcdef_0000378083&file=/in/rest/annotationSVC/DownloadWatermarkedAttachment/attach_import_ebafa531-4d1f-4368-879
ad.org/publication/trade-and-development-report-update-april-2023) WHO's priorities are universal health - coverage, health emergencies, he
yes IMF Global Housing

yes Watch
oess
800Report 2023
million, still far above prepandemic SDG
https://www.imf.org/external/research/housing/index.htm
Progress Report 2023
levels. On track
Houseorprices
maintaining
have grown
achievement
faster than incomes in most countries
improving deteriorating

N/A Yes
Strong
Socio- Biodiversity &
Equality & institutions, Healthy Climate
Infrastructure economic healthy
justice peace & economies stability
convergence ecosystems
stability
(Gender
equality,
Ethnic/racial (Sector (Waterbodies,
equality, Age (Rule of law, diversity, Air, Soil,
/ / /
discrimination Civil liberties) Flourishing Species,
, Other MSMEs) Habitat)
vulnerable
groups)
SDGs
SDGs 5,10 SDG 16 SDGs 8,9 SDG 9 SDGs 10,17 SDG 13
6,11,12,14,15
Livelihood Equality & Justice
Other Employment Wages Social Other Gender Ethnic/racial
(Availability, protection (Livelihood) equality equality
accessibility,
affordability,
quality of
SDGs 1, 8 SDGs 1, 8 SDGs 1, 10 SDG 5 SDG 10

Healthcare & Healthcare &
Housing3 Housing4 Education Education2 Mobility
sanitation sanitation2
Healthcare & Education Mobility

sanitation
#N/A #N/A #N/A #N/A #N/A #N/A #N/A




sanitation







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Healthcare & Healthcare &

Housing3 Housing4 Education Education2 Mobility
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IMF GlobalOECD
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Report 2021UNDP
(original
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Human
data:Development
WHO)
Development Index
Report
Sum4All
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2021Sustainable
(original data;
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UNESCO)
Index
ww.imf.org/external/research/housing/index.htm
https://www1.compareyourcountry.org/housing/en/1/all/default
https://dashboards.sdgindex.org/map/indicators/life-expectancy-at-birth
https://www.ghsindex.org/
http://hdr.undp.org/en/indicators/103706
https://dashboards.sdgindex.org/map/indicators/literacy-rate
https://www.sum4all.org/gra-tool/country-performance/snap
ouse Price to Income
HousingUniversal
(growth
Years
overcrowding
of from
schooling
health
2015)
among
coverage
(composite
low-income
(UHC)index:
indexmean
of Score
service
yearscoverage
ofLiteracy
schooling
rate
of as
Global
adults
% ofSustainable
and
population
expectedaged
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years
15-24
of
Index
schooling
(GSMI)ofScore
children)
Number of Countries with Significant or Major Challenges Affec

42-56% (significant challenges remain)
ercentage of Global Population
Global
Affected
AverageGlobal AverageGlobal averageGlobal
Percentage
Average
of Global
<43%
Population
(major challenges
Affected remain)
0-92.2 <5% >80 (SDG accomplished)

80.1-100.0 >=10.3
>95% (SDG accomplished)> 57.5
92.3-108.3 5-14.9%
71-79 (challenges remain)
60.1-80.0 8.2-10.2
90%-94% (challenges remain)
45.6 - 57.5
108.4-116.4 15-24.9%
61-70 (significant challenges 40.1-60.0
remain) 84%-89%
5.7-8.1 (significant challenges
34.4
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- 45.5
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<60 (major challenges remain)
http://www.fao.org/state-of-food-security-nutrition 0-40.0 <=5.6
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107.4 16.3 75 38.9 9 90.51 47

2 3 2 4 2 2 2
eople COVID-19 has had

In 2022,
devastating
only halfimpacts
of the world’s
on urban population had convenient
cities, with 2 billion more 4
education, causing#REF!
learning losses in2fourtransportation.
to public #REF!
out of five of the
Urban 2
104 countries
sprawl, air pollution and limited
ears. - studied. public spaces persist in cities.
One of UNEP's priorities is "Science Policy" and "Digital Transformations". (https://www.unep.org/resources/policy-a
One of ILO's priorities is Improving knowledge capacities, optimizing the useyes yes
usmarcdef_0000378083&file=/in/rest/annotationSVC/DownloadWatermarkedAttachment/attach_import_ebafa531-4d1f-4368-8790-7df1
of ILO resources. (https://www.ilo.org/wcmsp5/groups/pub
e,
Improving
health emergencies,
knowledge capacities,
health andfacilitating
well-being.
ITU's priorities
lifelong
(https://www.who.int/about/what-we-do/thirteenth-general-programme-of-work-2019---2
learning.
are Universal
(https://www.ilo.org/wcmsp5/groups/public/---ed_norm/---relconf/docume
Connectivity, Sustainable Digital Transformation. (https://www.itu.int/
ch N/A yes yes

housing/index.htm SDG Progress Report 2023 - -
mes in most countries Moderately Increasing - -
static

N/A N/A N/A
Consumer
1 N/A
2 N/A
3 N/A
4 N/A
5 N/A
6 N/A
7 N/A
8 N/A
9 N/A
10 N/A
11 N/A
12 N/A
13 N/A
14 N/A
15 N/A
16 N/A
17 N/A
18 N/A
19 N/A
20 N/A
21 N/A
22 N/A
23 N/A
24 N/A
25 N/A
26 N/A
27 N/A
28 N/A
29 N/A
30 N/A
Availabilit
y,
accessibili
Integrity ty,
Impact Areas → Health & (Water,
Circularity & security affordabil
Food,
safety
of person ity,
Energy,
quality
Housing, of
consumer banking (Conflict, resources
Healthcar
Modern & services
e&
slavery, sanitation
(Resource Impact Topics → Child ,
intensity, labour , / Education
Waste) Data , Mobility,
privacy, Informati
Natural on,
disasters) Connectivi
SDGs → ty, Culture
SDGs SDGs
&
SDGs 11, 12 8,11,13,1 SDG 3 2,3,4,6,7,
heritage,
Countries &
6 8,9,11,16
Finance)
Locations ↓
N/A N/A
N/A, N/A
N/A, N/A
N/A, N/A
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Pollutions Action."(https://www.unep.org/resources/policy-and-strategy/people-and-planet-unep-strategy-2022-2025)
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yes - Data
World Bank N/A
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Yes N/A
Availabilit
y,
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Integrity ty,
Impact Areas → Health & (Water,
& security affordabil
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safety
of person ity,
Energy,
quality
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ty, Culture
SDGs SDGs
&
countries all locations 8,11,13,1 SDG 3 2,3,4,6,7,
heritage,
6 8,9,11,16
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N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
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N/A
N/A
N/A
N/A
N/A
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ty,
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om%200.11%20to%204.54%20kilograms.
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Biodiversi
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Strong
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8083eng.pdf#41_C4_E.indd%3A.60151%3A103)
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Socio-
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Biodiversi
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ture converge stability
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ms
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SDGs
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SDGs 8,9 SDG 9 SDG 13 6,11,12,1
10,17 12
4,15
X X X X X
Biodiversi
ty &
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Other Ecosyste
Waterbod Air Soil Species Habitat Other Resource Waste Other
(Climate ms ies (Biodivers intensity (Circularit
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healthy
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SDGs 6, SDGs 11, SDGs 15, SDGs 14, SDGs 14, SDGs 11,
SDG 12
14 12 12 15 15 12
consumer banking Integrity & Security of Person
Conflict Modern Child
slavery labour
SDGs 8, SDGs 8,
SDG 16
16 16
countries all locations
N/A
N/A
N/A
N/A
N/A
N/A
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N/A
Health & Safety Availability, accessibility, affordability & quality of res
Data Natural Other Health & Other (Health & safety) Water Food
privacy disasters (Integrity safety
& security
of person)
SDGs 11,
SDG 16 SDG 3 SDG 6 SDG 2
13
dability & quality of resources and services
Energy Housing Healthcar Education Mobility Informati Connectiv Culture & Finance Other
e& on ity heritage (Availabili
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ty,
SDGs 9,
SDG 7 SDG 11 SDGs 3, 6 SDG 4 SDG 16 SDG 9 SDG 11 SDGs 8, 9
11
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Employm Wages Social Other Gender Ethnic/ Age Other Other &Rule of
ent protectio (Livelihoo equality racial discrimin vulnerabl (Equality Stability
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SDGs 1,
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10
Socio-
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liberties (Strong diversity g MSMEs (Healthy ture (Infrastru economic (Socio- stability
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ns, peace s) nce converge
& nce)
SDGs
SDG 16 SDGs 8, 9 SDG 8 SDG 9 SDG 13
10,17
Biodiversi
ty &
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Other Ecosyste
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stability) ity & y)
healthy
ecosyste
SDG 12
14 12 12 15 15 12
institutional banking Integrity & Security of Person
Conflict Modern Child Data
slavery labour privacy
SDGs 8, SDGs 8,
SDG 16 SDG 16
16 16
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Health & Safety Availability, accessibility, affordability & quality of resources and services
Natural Other Health & Other Water Food Energy Housing Healthcar Education
disasters (Integrity safety (Health & e&
& security safety) sanitation
of person)
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SDG 3 SDG 6 SDG 2 SDG 7 SDG 11 SDGs 3, 6 SDG 4
13
sources and services Livelihood
Mobility Informati Connectiv Culture & Finance Other Employm Wages Social Other
on ity heritage (Availabili ent protectio (Livelihoo
ty, n d)
accessibili
ty,
SDGs 9, SDGs 1,
SDG 16 SDG 9 SDG 11 SDGs 8, 9 SDGs 1, 8 SDGs 1, 8
11 10
Strong
Institutio Healthy
Equality & Justice ns, Peace Economie
Gender Ethnic/ Age Other Other &Rule of Civil Other s Sector Flourishin
equality racial discrimin vulnerabl (Equality Stability
law liberties (Strong diversity g MSMEs
equality ation e groups & justice) institutio
ns, peace
&
SDG 5 SDG 10 SDG 10 SDG 10 SDG 16 SDG 16 SDGs 8, 9 SDG 8

Biodiversi
Socio-
ty &
Healthy
Other Infrastruc Other nce Socio- Other Climate Other Ecosyste
Waterbod Air Soil
(Healthy ture (Infrastru economic (Socio- stability (Climate ms ies
economie cture) converge economic stability)
s) nce converge
nce)
SDGs SDGs 6, SDGs 11, SDGs 15,
SDG 9 SDG 13
10,17 14 12 12
Circularity institutional banking
Species Habitat Other Resource Waste Other
ity & y)
healthy
ecosyste
SDG 12
15 15 12
countries
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
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N/A
N/A
N/A
N/A
N/A
N/A
Integrity & Security of Person
Conflict Modern Child Data Natural Other
slavery labour privacy disasters (Integrity
& security
of person)

SDG 16 SDG 16
16 16 13
all locations
Health & Safety Availability, accessibility, affordability & quality of resources and services
Health & Other Water Food Energy Housing Healthcar Education Mobility Informati
safety (Health & e& on
safety) sanitation
SDGs 9,
SDG 3 SDG 6 SDG 2 SDG 7 SDG 11 SDGs 3, 6 SDG 4 SDG 16
11
Livelihood Equality & Justice
Connectiv Culture & Finance Other Employm Wages Social Other Gender Ethnic/
ity heritage (Availabili ent protectio (Livelihoo equality racial
ty, n d) equality
accessibili
ty,
SDGs 1,
SDG 9 SDG 11 SDGs 8, 9 SDGs 1, 8 SDGs 1, 8 SDG 5 SDG 10
10
Strong
Institutio Healthy
Infrastruc
ns, Peace Economie
ture
Age Other Other &Rule of Civil Other s Sector Flourishin Other Infrastruc
discrimin vulnerabl (Equality Stability
law liberties (Strong diversity g MSMEs (Healthy ture
ation e groups & justice) institutio economie
ns, peace s)
&
SDG 10 SDG 10 SDG 16 SDG 16 SDGs 8, 9 SDG 8 SDG 9

Biodiversi
Socio-
ty &
Economic Climate
Healthy
Converge Stability
Other nce Socio- Other Climate Other Ecosyste
Waterbod Air Soil Species Habitat
(Infrastru economic (Socio- stability (Climate ms ies
cture) converge economic stability)
nce converge
nce)
SDGs SDGs 6, SDGs 11, SDGs 15, SDGs 14, SDGs 14,
SDG 13
10,17 14 12 12 15 15
Circularity GLOBAL Integrity & Security of Person
Other Resource Waste Other Conflict
ity & y)
healthy
ecosyste
SDGs 11,
SDG 12 SDG 16
12
GLOBAL
GLOBAL X
Integrity & Security of Person Health & Safety Availability, accessibility, affordability & quality
Modern Child Data Natural Other Health & Other Water Food Energy
slavery labour privacy disasters (Integrity safety (Health &
& security safety)
of person)

SDG 16 SDG 3 SDG 6 SDG 2 SDG 7
16 16 13
X X X X X X X
ility, affordability & quality of resources and services Livelihood
Housing Healthcar Education Mobility Informati Connectiv Culture & Finance Other Employm
e& on ity heritage (Availabili ent
sanitation ty,
accessibili
ty,
SDGs 9,
SDG 11 SDGs 3, 6 SDG 4 SDG 16 SDG 9 SDG 11 SDGs 8, 9 SDGs 1, 8
11
X X X X X X X
Strong
Institutio
Equality & Justice ns, Peace
Wages Social Other Gender Ethnic/ Age Other Other &Rule of Civil
protectio (Livelihoo equality racial discrimin vulnerabl (Equality Stability
law liberties
n d) equality ation e groups & justice)
SDGs 1,
SDGs 1, 8 SDG 5 SDG 10 SDG 10 SDG 10 SDG 16 SDG 16
10
X X X X X
Socio-
Healthy
Economie
Other s Sector Flourishin Other Infrastruc Other nce Socio- Other Climate Other
(Strong diversity g MSMEs (Healthy ture (Infrastru economic (Socio- stability (Climate
institutio economie cture) converge economic stability)
ns, peace s) nce converge
& nce)
SDGs
SDGs 8, 9 SDG 8 SDG 9 SDG 13
10,17
X X X
Biodiversi
ty &
Healthy Circularity
Ecosyste
ms ies (Biodivers intensity (Circularit
ity & y)
healthy
ecosyste
SDG 12
14 12 12 15 15 12
X X X X X X
GLOBAL N/A N/A N/A
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Names of
products/
Types of products/services services
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N/A 27 N/A N/A
N/A 28 N/A N/A
N/A 29 N/A N/A
N/A 30 N/A N/A
N/A 31 N/A N/A
N/A 32 N/A N/A
N/A 33 N/A N/A
N/A 34 N/A N/A
N/A 35 N/A N/A
N/A 36 N/A N/A
N/A 37 N/A N/A
N/A 38 N/A N/A
N/A 39 N/A N/A
N/A 40 N/A N/A
Modern
Conflict
slavery
SDGs 8.5,
SDG 16.1 8.6, 8.7,
16.2
countries locations
N/A 0 0
N/A/locations N/A 0 0
N/A 0 0
N/A 0 0
N/A 0 0
N/A 0 0
industry
business line
classification
N/A N/A
Consumer
ISIC
banking
(please
INDICATORS amount
select)
Conflict
Total % of Total % of Total % of

portfolio portfolio portfolio
(Indicator (Indicator (Indicator
1) 2) 3) Key sectors Type of association
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
Conflict

positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
Conflict

positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
Conflict

positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
Conflict

positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
positive impacts
negative impacts
Child Data Natural

Health & safety Water Food
labour privacy disasters
SDGs 2.1,
SDGs 8.5, SDGs 3.1, 3.2, 3.3,
SDGs 1.5, SDGs 3.9, 6.1, 6.2, 6.4, 6.5, 6.a, 2.2, 2.3, 2.4,
8.6, 8.7. - 3.4, 3.5, 3.6, 3.9,
11.5, 13.1 6.b 2.5, 2.a, 2.b,
16.2 3.d
2.c, 12.3
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
gross income balance sheet
percentage percentag
currency amount of total amount e of total Other Group 1 Group 2
business business vulnerabl (please (please
e groups: specify) specify)
0.00 0% 0.00 0%
number of number of
products customers
Modern Natural Health &

Child labour Data privacy Water Food Energy
slavery disasters safety
Healthcare Informati Connectiv Culture &
& sanitation on ity heritage
SDGs 1.a,
SDGs 1.5,
4.1, 4.2, 4.3,
SDGs 7.1, 1.a, 2.2, 3.1,
4.4, 4.5, 4.6, SDGs 9.1, SDGs 9.c, SDGs 9.c, SDGs
7.2, 7.3, 7.a, SDGs 1.4, 11.1, 11.3 3.5, 3.7, 3.8,
4.7, 4.a, 4.b, 11.2 16.10 17.6, 17.8 11.4, 11.a
7.b 3.b, 3.c, 3.d,
4.c, 8.6,
5.6
12.8, 13.3
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0
Healthcar
Informati Connectiv Culture & Employm
Housing e& Education Mobility Finance Wages
on ity heritage ent
sanitation
Healthcar
on ity heritage ent
sanitation
Healthcar
on ity heritage ent
sanitation
Healthcar
on ity heritage ent
sanitation
Healthcar
on ity heritage ent
sanitation
Employm Gender Rule of Civil
Finance Wages protectio racial discrimin vulnerabl
ent equality law liberties
SDGs
SDGs 3.7,
16.1, SDGs 1.4,
4.5, 5.1,
16.3, 10.3,
SDGs 5.4, 5.2, 5.3, SDGs 8.5, SDGs 4.5,
16.4, 11.7,
SDGs 5.5, 8.3, SDGs 1.1, SDGs 1.3, 5.4, 5.5, SDGs 4.5, 8.7, 10.2, 8.5, 8.8,
16.5, 16.2,
8.10, 9.3 8.5, 8.8, 1.2, 8.5 1.b, 8.3 5.6, 5.a, 10.2, 10.3 11.2, 10.2,
16.6, 16.7,
8.b 5.b, 5.c, 11.7, 16.2 11.2, 11.7
16.7, 16.10,
8.5, 8.8,
16.10, 16.b
10.2
16.a, 16.b
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
Gender Rule of Civil Sector Flourishin Infrastruc
protectio racial discrimin vulnerabl
equality law liberties diversity g MSMEs ture
Socio-
Sector Flourishin Infrastruc economic Climate Waterbo
Air Soil Species Habitat
diversity g MSMEs ture converge stability dies
nce
SDGs 2.5,
14.4, SDGs
14.6, 14.5,
SDGs 1.5, SDGs 6.3,
SDGs 1.1, 14.7, 15.1,
SDGs 8.2, SDGs 9.1, 7.b, 12.a, 6.6, 14.1,
SDGs 8.3, 1.2, 1.4, SDGs 3.9, 15.4, 15.2,
8.3, 8.4, 9.4, 9.a, 13.1, 14.3, SDG 15.3
9.3 1.a, 10.1, 11.6 15.5, 15.3,
9.2, 9.b 11.5 13.2, 14.4,
10.4 15.7, 15.4,
13.a, 13.b 14.a, 15.1
15.8, 15.5,
15.9, 15.6, 15.9
15.a, 15.c
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0 0
Socio- Integrity
economic Climate Waterbo Resource &
Air Soil Species Habitat Waste
converge stability dies intensity security
nce of person
Socio- Integrity
nce of person
Socio- Integrity
nce of person
Socio- Integrity
nce of person
Socio- Integrity
nce of person
Resource
Waste
intensity
SDGs 6.3,
SDGs 6.3, 11.6,
6.4, 8.4, 12.3,
12.1, 12.2 12.4,
12.5, 14.1
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Availabilit
y,
accessibili
Strong Biodiversi
ty,
institutio Healthy ty &
affordabil Livelihoo Equality Circularit Finance + Equality &
ns, peace economie healthy
ity, d & justice y justice
& s ecosyste
quality of
stability ms
resources
&
services
Availabilit
y,
accessibili
Strong Biodiversi
ty,
& s ecosyste
quality of
stability ms
resources
&
services
Availabilit
y,
accessibili
Strong Biodiversi
ty,
& s ecosyste
quality of
stability ms
resources
&
services
Availabilit
y,
accessibili
Strong Biodiversi
ty,
& s ecosyste
quality of
stability ms
resources
&
services
Availabilit
y,
accessibili
Strong Biodiversi
ty,
& s ecosyste
quality of
stability ms
resources
&
services
COUNTRIES TYPES OF PRODUCTS/SERVICES
644 Consumer banking

N/A
6441 Current accounts
N/A
64411 Current accounts with payment services
N/A (cheques, debit cards)
64412 Current accounts without payment
N/A services
6442 Savings
N/A
64421 Savings accounts
N/A
64422 Certificates of deposit
N/A
6443 Credit
N/A
64431 Credit cards
N/A
64432 Consumer loans & overdraft
N/A
64433 Securities-backed/ Lombard / Structured
N/A loans
64434 Home loans /mortgages
N/A
64435 Vehicle related loans
N/A
64436 Education related loans
N/A
64437 Access to justice related loans
N/A
64438 Healthcare loans
N/A
64439 Other specialised credit
N/A
6444 Targeted products
N/A
64441 Targeted products - low income
N/A populations
64442 Targeted products - women
N/A
64443 Targeted products - youth
N/A
64444 Targeted products - senior population
N/A
64445 Targeted products - rural populations
N/A
64446 Targeted products - other vulnerable
N/A groups
648 Microcredit
N/A
6480 Microcredit
N/A
N/A
N/A
N/A

N/A
N/A
N/A services
6442 Savings
N/A
N/A
N/A
6443 Credit
N/A
64431 Credit cards
N/A
N/A
N/A loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A populations
N/A
N/A
N/A
N/A
N/A groups
648 Microcredit
N/A
6480 Microcredit
N/A
N/A
N/A
N/A

N/A
N/A
N/A services
6442 Savings
N/A
N/A
N/A
6443 Credit
N/A
64431 Credit cards
N/A
N/A
N/A loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A populations
N/A
N/A
N/A
N/A
N/A groups
648 Microcredit
N/A
6480 Microcredit
N/A
N/A
N/A
N/A

N/A
N/A
N/A services
6442 Savings
N/A
N/A
N/A
6443 Credit
N/A
64431 Credit cards
N/A
N/A
N/A loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A populations
N/A
N/A
N/A
N/A
N/A groups
648 Microcredit
N/A
6480 Microcredit
N/A
N/A
N/A
N/A

N/A
N/A
N/A services
6442 Savings
N/A
N/A
N/A
6443 Credit
N/A
64431 Credit cards
N/A
N/A
N/A loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A populations
N/A
N/A
N/A
N/A
N/A groups
648 Microcredit
N/A
6480 Microcredit
N/A
N/A
N/A
N/A
INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO
R1 R1 R1 R1 R1 R1 R1
Low- Middle- High-

Unspecifi
income income income
INDICATOR 1 ed Male Female
populatio populatio populatio
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%
total accounts 0% 0% 0% 0% 0% 0%

R1 R1 R1 R1 R1 R1 R1
Low- Middle- High-
Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%

R1 R1 R1 R1 R1 R1 R1
Low- Middle- High-

Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%
R1 R1 R1 R1 R1 R1 R1
Low- Middle- High-

Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%

R1 R1 R1 R1 R1 R1 R1
Low- Middle- High-
Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%
INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO INDICATO
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1
Unspecifi Youth Middle- Unspecifi

Senior Unspecifi
ed (e.g. 18- age (e.g. Rural Urban ed
(e.g. +60) ed (Age)
(Gender) 30) 30-60) (Location)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0%
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0%
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0%
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0%
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
0% 0% 0% 0% 0% 0% 0% 0%
INDICATO INDICATO INDICATO
R1 R1 R1
Group 1 Group 2
(please (please
specify) specify)
0 0
0% 0%
0% 0%

R1 R1 R1
Group 1 Group 2
(please (please
specify) specify)
0 0
0% 0%
0% 0%

R1 R1 R1
Group 1 Group 2
(please (please
specify) specify)
0 0
0% 0%
0% 0%
R1 R1 R1
Group 1 Group 2
(please (please
specify) specify)
0 0
0% 0%
0% 0%

R1 R1 R1
Group 1 Group 2
(please (please
specify) specify)
0 0
0% 0%
0% 0%
R2 R2 R2 R2 R2 R2 R2
Low- Middle- High-

Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%

R2 R2 R2 R2 R2 R2 R2
Low- Middle- High-
Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%

R2 R2 R2 R2 R2 R2 R2
Low- Middle- High-

Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2
Low- Middle- High-

Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%

R2 R2 R2 R2 R2 R2 R2
Low- Middle- High-
Unspecifi
(Income)
ns ns n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0 0 0 0 0
total 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2 R2 R2 R2

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2 R2 R2 R2
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2 R2 R2 R2

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2 R2 R2 R2

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R2 R2 R2 R2 R2 R2 R2 R2 R2 R2
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R2 R2 R2
Group 1 Group 2
(please (please INDICATOR 3
specify) specify)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0
0% 0% total

R2 R2 R2
Group 1 Group 2
specify) specify)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0
0% 0% total

R2 R2 R2
Group 1 Group 2
specify) specify)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0
0% 0% total
R2 R2 R2
Group 1 Group 2
specify) specify)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0
0% 0% total

R2 R2 R2
Group 1 Group 2
specify) specify)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
0 0 0
0% 0% total
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Low- Middle- High-

Unspecifi Unspecifi Youth
ed Male Female ed (e.g. 18-
(Income) (Gender) 30)
ns ns n
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Low- Middle- High-
ns ns n
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Low- Middle- High-

ns ns n
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Low- Middle- High-

ns ns n
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Low- Middle- High-
ns ns n
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Middle- Unspecifi Group 1 Group 2

Senior Unspecifi
age (e.g. Rural Urban ed (please (please
(e.g. +60) ed (Age)
30-60) (Location) specify) specify)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3

Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%
R3 R3 R3 R3 R3 R3 R3 R3 R3 R3
Senior Unspecifi
(e.g. +60) ed (Age)
0 0 0 0 0 0 0 0
0% 0% 0% 0% 0% 0% 0% 0%

Consumer Banking (Identification) Module - UNEP FI

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Consumer Banking (Identification) Module - UNEP FI

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UNEP FI PORTFOLIO IM

The conclusions derived by users regarding their most significan

This tool was designed as an open-source tool. It has been a prio

ons Environment Programme, 2022

For more guidance please refer to your User Guide:

ule is made up of four types of worksheets which have been colour-

w worksheets to enable users to document their process (i.e.

o listen to a walk-through of the Module structure:

→ Understand the structure of the Module

→ Specify the scope of your analysis

→ Collect data, identify your significant impact areas/topics by geography.

→ Mapping of impact associations between sectors and impact areas/topics

→ Import your data from the Context Module

→ Export your data to the Assessment Module

All your choices will be reflected in the ensuing worksheets.

Please specify currency ↓

b. Did you complete the Context Module?

arameters' worksheet: https://youtu.be/CiaHKb07N50

r banking business and what proportion this is relative

Gross income Balance sheet

(Select country or (Select country or

responding size of consumer banking business

(Select country or (Select country or (Select country or

N/A N/A N/A

Size and proportion of overall Consumer Banking Portfolio (gross income):

Total volume of your consumer banking portfolio (across all

Volume of consumer banking portfolio in the country

Types of products & services

arning messages to help you fill out the worksheet correctly.

Indicator 1-credit: amount

Indicator 1-credit: amount

(unhide the rows and indicate the names of your products)

Size and proportion of

Click the first '+' sign

In the tables on the

In the tables on the

Use this worksheets to:

Proportion of Consumer Banking business

Summary view of country priorities and impact associations

Integrity & security of person

Biodiversity & healthy ecosystems Availability, accessibility, affordability, quality of resour

Climate stability 0% Livelihood

Socio-economic convergence Equality & justice

Infrastructure Strong institutions, peace & stability

Total (current accounts and savings)

b. Impact associations driven by client/population types

Context (equality and justice)

COUNTRY PRIORITIES LOCAL PRIORITIES

Other vulnerable groups Ethnic/racial equality

2. Determining and prioritising the bank’s most sign

The table on the far right provides a read-across to the SDGs.

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

(select impact area/topic)

Populations/ Equality & Justice

he 'Profile' worksheets: https://youtu.be/vXA1xVq2IcM

Gross income () Balance sheet ()

y priorities and impact associations